If you’ve looked at your car insurance bill recently and noticed that the cost of your insurance has increased, you may be wondering what you did to cause it. We’ve compiled a list of the 13 factors that insurance companies take into account to determine how much your insurance should cost, and what you can do to lower your costs.

Bad credit can be the result of a variety of things, maybe you defaulted on student loans, had years of high credit card balances or had a foreclosure. No matter the reason, living with a low credit score can be tough. You can be charged higher insurance rates, new credit cards could be difficult to obtain, and bank loans may costlier. Also the number of companies that require pre-employment credit checks will continue to grow.