Yes, your previous driving record is taken into consideration when determining your rental car insurance cost. If you have a poor driving record scattered with several accidents and insurance claims, then your rental insurance will be higher, as the company will assume that you are more of a “high risk” driver than someone with a clear driving history. Many people are not aware of this fact. But if you have fully comprehensive insurance on a vehicle, you may already be covered with third party insurance to drive other vehicles. It might be worth checking this with your insurance company, or looking at the small print of your policy documentation, as it may save you some money.