• There are factors that lower used car insurance premiums.brand new offroad car image by alma_sacra from Fotolia.com
  
  Policy premiums differ across the board. Premiums are based on numerous bits of individual and personal information along with the vehicle insured and overall driving history and habits. Some insurance companies offer multiple discounts, while some do not offer any. Premiums and discounts vary from state to state, allowing any accident or driving history to negatively impact your policy for years to come.
  
  

Personal Information

• Used car insurance premiums are based on many aspects of your personal life. A good credit score---used in some states---lowers your insurance cost as credit is used to access accident risk. Multi-policy discounts lower rates---insuring more than one policy with your insurer such as life, health, homeowners or a renter's insurance policy or more than one vehicle can reflect discounts. Living close to your job is beneficial, as insurance companies access your risk factor by how far you drive every day. Other factors include a college degree or marital status. Some states honor a discount for the completion a defensive driving course, which is good for several years.
  
  

Vehicle Information

• Safety features and the type of vehicle you drive can greatly affect your insurance rates for a used car. Vehicle features like front and side airbags, ABS (Anti-lock Breaking System), government crash test ratings, a vehicle tracking system in the event that your vehicle is stolen and a passive or active alarm will reflect a discount. The overall cost of your vehicle and its likeliness to be stolen affect your insurance rate. Other factors, such as policy coverage on your car including comprehensive or collision coverage, can increase your premium.
  
  

Driving and Accident History

• Driving and accident history has an enormous affect on your used car policy premium. At-fault accidents and tickets remain on your history for as long as your state allows. A clean driving history lowers your car insurance premium. Other factors, such as a revoked or suspended license or lapse in insurance can have a negative effect, as well. Insurance companies can also charge a higher used car premium if you had a lack of continuous insurance---for example, if you cancelled a policy while you stopped driving, this causes a higher rate when you start a new policy unless you remained insured the entire time. Driving history also factors in the time you've been licensed---young drivers pay a lot more for car insurance, although the high rates can drop after the driver reaches the age of twenty-five. Young males are considered more of a risk than young females. The longer you've been driving without any accidents or tickets, the lower your used car policy premium is.