There are number of factors that insurance companies take into account when issuing an automobile insurance policy.  Many of those factors are ones that you can adjust to benefit you and subsequently lower your premiums.  But some of the factors are just beyond your control.

The age of the driver is a factor that can't be changed.  Younger drivers and older drivers are statistically more likely to have accidents.  Because of this statistic, the insurance companies charge higher premiums for drivers in certain age brackets. 

The gender of the driver often affects the premium costs for automobile insurance, particularly when it is coupled with the age factor.  Women have been found to be safer drivers as a whole.

Marital status is a factor that CAN be changed, but few are willing to make the change just to get lower insurance premiums.  The insurance companies generally lower premium costs on married couples.

Location is not just important in real estate.  Where you live affects the cost of automobile insurance.  Although you can change your living situation, this is another factor that few people are willing to change just for a lower premium price.

There are a number of factors that you can adjust to help reduce your cost for automobile insurance.  But there are just as many factors that are hard – if not impossible – to change.  When it comes to balancing these factors, you have to look at deductions can provide a counter to the factors.  Taking driver’s education, avoiding tickets and other simple tasks can be the solution.