There are a number of factors that determine how good cheap car insurance can be. It is a fact that one's driving record, age, gender, marital status, health, and even whether you own your vehicle can play major roles in determining how much you pay. The list goes on but some of the biggest ones are mentioned below. First, look at your driving record if it is less than stellar. If it is, then you are going to pay a lot more for your insurance.