There are many factors that go into auto premiums. While the age of driver, credit history and MVR are probably the three most important factors, these are other things that can reduce your rates:

1. Combine auto and home
2. Make sure young drivers have a B average or better
3. Work closer to home (less distance to work each day results in a lower premium)
4. Owning American-made cars can be cheaper to insure because parts come from Detroit rather than Japan
5. Paying premium in full can avoid installment fees