Everyone wants to pay less for their insurance especially because insurance is a grudge purchase. We do not want insurance, but we definitely need it so let us look at some factors that influence our car insurance premium and identify ways of lowering it. There are two types of factors; ones we can change and ones we cannot.Factors We Cannot ChangeAge is an important factor in determining vehicle insurance premiums. Statistically young drivers carry a higher risk of having car accidents than their older counterparts. Even if you are a mature young adult you will still be grouped along with the hot-blooded and care-free youth and consequently pay higher insurance premiums.Statistically women are a lower risk than men when it comes to cars. Danica Patrick might be the exception, but most women do not feel the need for speed and are thus less likely to have accidents and cause less d hr consultants amage when they are in accidents.If you are married, you are statistically deemed a lower risk by insurance companies. Not many people change their marital status just to get cheaper insurance, so we have lumped this one with the factors you cannot change.Factors We Can ChangeWhere you live is a major factor in determining insurance premiums. This factor influences both the probability of having your car stolen and the probability of having accidents. Urban areas high in crime and traffic are dangerous for your beloved vehicle. The suburbs and rural areas are far safer, so you will pay less on your vehicle insurance if you live in these areas. Insurance companies have gathered so much detailed statistical data on theft and accident locations that moving one block away could decrease your insurance premiums dramatically.Your vehicle itself is a prime factor in determining premiums.