You renew your car insurance every year, drive carefully, and do not make a single claim. So naturally, you expect your renewal premium to stay the same or even become cheaper. Then the renewal message arrives, and the amount has gone up. It feels unfair, especially when you have been a responsible driver. The good news is that an increase does not necessarily mean your insurer is charging you because of something you did wrong. Your car insurance premium depends on various factors besides your accident and claim history. The car’s value, insurance coverage, location, add-ons, third-party insurance rates, and…