Car insurance is regulated by the states and highly specific to each individual, so just because you may have some things in common with another driver — such as owning the same car or living in the same city — this doesn’t mean you’ll have the same insurance rate as them.

Generally speaking, if you don’t drive much, you’ll get a better rate because you’re less likely to file a claim. While accidents are sometimes beyond your control, maintaining safe driving habits and avoiding risky behavior that can result in tickets or license suspensions can also help you secure cheaper rates.