The easiest way to control your auto insurance premiums is to drive safely. This will prevent increases based on accidents and traffic tickets, and it even may open the door to a discount based on your safe driving. You also may want to choose a vehicle with plenty of safety features, which may lead to lower premiums because of the lower risk. A driver should contact the insurance company to find out about any discounts for which they may be eligible. They may not know about a discount unless they make the effort to contact the insurer. However, there are certain factors that affect premiums (such as age or gender) that you cannot control.