Most insurers charge lower premiums to adult customer who drive shorter mileage each year and to those who don't drive to work. For young drivers, there are other ways to reduce accident risk and thus premiums. The cost is less for a young motorist who drives a family car on an occasional basis than it is for one who drives his or her own car. In many states, insurers offer a discount to teenagers who have passed a driver education course. Since somewhere around half of your auto insurance premium goes to protect your vehicle, the kind of car you drive plays a major role in determining your premium.
Expensive vehicles cost more to insure than less costly ones.
New cars require higher premiums than older ones. A high-powered sports car generally cost more to insure than a family car sedan in the same price range. It is wise to check with your insurance agent when buying a car. Insurers often give discounts for cars that are equipped with airbags or passive safety belts. In some states, insurers offer discounts for cars equipped with certain anti-theft devices.