In order to find the cheapest auto insurance you've got to know what the insurers are looking for in a good driver. If you think that every individual pays the same auto insurance premiums think again. That's a myth. Auto insurance premiums are dependent on a lot of variables and often, these are statistically based risk. For instance, a person with a higher risk would have to pay higher coverage because of the risk associated to them individually.

Cheapest Auto Insurance Factors: Constant Factors

1. Age - based on statistics, drivers who are twenty five years old and below have higher risk of being in accident than those who are over twenty five years old. If you want to pay lower auto insurance premiums, make sure you reapply when you reach the age of 50 and 65.
2. Gender - in general, women tend to drive safer than most men. However, with more and more women getting hold of the steering wheel, this fact is starting to change.
3. Marital Status - regardless of driving records, married individuals will still pay less auto insurance premiums than single individuals.

Cheapest Auto Insurance Factors: Variable Factors

The above mentioned variables are pretty hard to control. Let's call them "constants". On the other hand, there are factors that are within your control. You can have these changed depending to suit your auto insurance premium budget.

1. Geography - If you live in an area where there is little or no traffic, then you are more likely to pay less insurance coverage than those people who live in the cities where there is a lot of traffic. If you live in a neighborhood that has a high rate of vehicle theft then you are more likely to pay higher insurance rates.
2. Driving Violations - the more tickets you have under your car dash, the higher insurance premiums you have to pay. When you apply for an auto insurance premium, your insurance company will penalize you for your bad record but don't worry too much. As you improve your record over time, your insurance rate is more likely to get lower as well.
3. Type of Vehicle - going for a cheap car will mean that you will pay lower insurance rates. A cheaper car versus an SUV-which do you think poses a higher risk of being stolen?
4. Accident Claims - obviously, if you have more accident claims under your belt, then you are more likely to pay higher insurance than those who have clean records. More accidents make it insanely difficult to receive the cheapest auto insurance rates. It's only those who continue to show a clean driving record over a long period of time that are considered.

Cheapest Auto Insurance Factors: Variable Factors

Keep in mind the above 7 Factors that can affect how much you pay each month for auto coverage. It could save you hundreds of dollars if you take them into consideration when driving. Of course, if you want even lower premiums, it pays to shop around and search for companies that offer thecheapest auto insurance rates.