Driver education courses. When you take a driver education course, or a defensive driving class, make sure that you save the certificate of completion and send a copy to your insurance company. You can usually receive a discount for learning to be a safe driver. These classes can also help you expunge minor traffic violations from your DMV record. College and high school students can also receive premium discounts for keeping a high GPA. Better grades, in car insurance terms, mean a more responsible person.
Equipment in your car. The equipment that comes in your car, or that you put in your car, can also have an impact on car insurance premiums. If your car has an alarm, or other anti-theft devices, you receive a lower rate. Additionally, safety features that can lessen injury-related costs, like front and side airbags and a service like OnStar, can result in a lower car insurance premium.
There are things you can do to make yourself more attractive to insurance companies. By driving carefully and keeping your DMV record as clean as possible, you can keep your premiums low. Additionally, proving that you are responsible by taking driver education courses every five or six years and making sure your car has adequate safety and anti-theft measures, you can lower your insurance premiums. You, of course, cannot control your age. You can, however, show that you are a safe and responsible driver at any age.