The importance of shopping around for auto insurance has been well documented. If you’re a car owner, there’s a good chance you’ve tried every trick in the book to lower your insurance premiums over the years. The fact of the matter is, though, that the amount you shell out for car insurance often boils down to the life choices you make, along with the ones you don’t. 

Albeit a basic requirement for all drivers, the formula used to determine your insurance premium is anything but simple. Sure, things like accidents and speeding tickets will negatively affect your rate—those are a given. But there many other contributing factors that few people realize apply. Here, we break down somewhat surprising (but probably not that surprising) reasons why your car insurance is sky high.