Auto insurance premiums can feel arbitrary, but insurers rely on actuarial math to evaluate one primary question: how likely are you to file an expensive claim? Whether you are shopping for a new policy or trying to lower your renewal rate, several core factors determine what you pay each month. 1. Driving Record and Claims History Your history behind the wheel carries the most weight. A clean record with zero accidents or moving violations earns the best rates. Conversely, speeding tickets, at-fault collisions, or a DUI signal elevated risk, driving up premiums for three to five years. Insurers also look at your claims record; frequent minor claims can flag you…