Marital Status. Married individuals will pay less than a single person given they have an identical driving record.

Age. Based on statistics, drivers below 25 years of age are at greater risks of having an accident than those above 25. Generally, drivers between 50 and 65 years old mostly have the safest records.

• Increase your deductible. Needless to say, when you pay more out of your own pocket in the event of a loss, you can surely lower your premium.

• Pay your premium in full. If you give one-time payment for your auto insurance premiums, you can definitely avoid the interest charges that add up to your payables, thus saving you money in general. Opting for over time payments will just add accrued interest charges. If you have the resources, always opt to pay your premium in full rather than in installments.

• Take a defensive driving, RV safety, or senior operator course. Letting your insurance provider that you take necessary actions to lower your risk of an accident by getting educated, they will most likely lower your premium. So if there are available safety driving courses around your area, enroll in these courses. You wont know how much they can help you save on your auto insurance premium.

• Quote all your family vehicles and earn multi-vehicle discounts. There are some auto insurance companies that offer discounts for multi-vehicle insurance applications. So if you have other uninsured automobiles in your home, better avail a one time auto insurance application for these and get a good discount on your premium.

• Go for more simple vehicles. If you are just about to buy a car and you are looking at saving more on your car insurance money, go for cheap cars. A cheap car will cost less to insure than that status symbol SUV sitting on 24" rims.

• Good driving record. Having an accident or moving violations on your record (speeding tickets, DWI, reckless driving, etc.) put you at a higher risk for accidents and will likely mean a higher premium.