Factors governing your auto insurance cost
Age and gender can be uncontrollable factors that affect your insurance premium. Males 25 or younger usually pay the highest rates because statistics show that they are involved in more accidents. Statistics show that married men have fewer accidents and generally pay less than single men. Some states don't allow rates based on sex or age, unfortunately that usually results in higher insurance rates for women, not lower rates for men.

Surveys show that you could pay anywhere from $500 to $2000 annually for the same auto coverage thru various insurance providers. Shop multiple quote websites to insure your getting a good rate.

Auto insurance rates depend on several factors, including, what you drive, how long you have been with your insurance company and what other things do you have insured with them, including how many cars are on your policy, the status of your driving record, your age and marital status, where you live,  annual mileage driven and how far you are from your work.

Top 10 Tips To Lowering Your Auto Insurance rates

1. Keep an eye on your speedo, the one in your dash (not in your pants). Your driving record is one of the most important things driving your insurance cost. Tickets and accidents will cost you dearly.
2. Bulk up, go for the full 7 course meal. Insuring more things,, your home, your health, boat, more cars etc. with the same company, by all means, should lower your insurance costs.
3. Easy on the ego! What you drive can cost you extra. Some vehicle makes and models carry a surcharge for insurance and some just cost more to repair, increasing your insurance cost.
4. Shop till you drop, Truly the only way to be sure your getting a good rate is to shop around, this is easily done from the comfort of your own home by shopping multiple quote websites.
5. Hop on the bus gus, and get yourself free, There's more than 50 ways to leave your lover, and using alternate transportation, lowering your annual mileage is one great way to lower your premium. Insurance companies generally have discounts for low annual mileage vehicles.
6. Bought the farm. too much coverage can put your finances in the grave, It's dangerous to be under-insured, but having too much insurance can be an expensive mistake too. How much Insurance do you need? The more income and assets you have to protect, such as a home (with existing built in equity) the more insurance you need. An "umbrella" policy could protect you from financial ruin in a major lawsuit.
7. Less is more, Increase your deductible for collision and comprehensive. Consider dropping collision coverage when the annual premium reaches 10 percent of your car's value.
8. Keeping up with the Joneses, Where you live higher populated Urban areas, with greater densities and heavier traffic often get higher rates than rural areas.
9. Bells and whistles, Drop coverage for towing costs or car rental while yours is in the shop. If your group health insurance provides generous coverage, consider dropping the medical payments portion of your policy.
10. Extra extra read all about it, A vehicle with an alarm or air bags may qualify for a discount. 
    If you pass a defensive-driving course or don't smoke or drink you often qualify for discounts.
    Avoid accidents and traffic violations The safer you are on the road the lower your premiums.
    Keep your credit rating healthy. More insurers are considering a persons credit score when setting rates.