Multiple experts have been talking about the importance of having auto insurance that covers both liability and uninsured motorists, but what can drivers do to keep their premiums low and affordable?

According to experts, drivers must be aware that certain factors like how attractive their vehicles are to thieves and their credit scores ratings could change their premiums dramatically.

First, the amount you pay for auto insurance premiums, experts say, can vary greatly from company to the next and although nothing can be done about the car owner’s driving history, marital status and even district of residence, car owners can do a great deal when it comes to purchasing safe cars and trying to avoid driving too often to keep their mileages low.

Specialists believe that drivers must do their homework to learn how the insurance rates are factored. One of the most important elements behind a low auto insurance premium is the marital status. If you are a car owner and you’re married, you will pay less for your auto insurance than someone who’s single. However, specialists say, your spouse could trigger an increase of your premium if he or she has a poor driving record.

Credit scores are also very important factors, since auto insurance companies tend to believe that drivers with a good score are more likely to be responsible motorists who are worried about safety while behind the wheel. While you’re thinking about simple things you can do to lower your premiums, do yourself a favor and take a walk instead of driving the car: the less you drive your vehicle the cheaper your premium will be. To auto insurance companies, a low mileage simply means that you are less likely to be involved in a crash, since you don’t use your car as much.

And last but not least: the area you reside. Auto insurance companies tend to add the area you live into the equation because city residents tend to drive more often and be more exposed to a series of dangers that rural residents don’t face like auto theft, vandalism and even fraud. Car owners who drive vehicle models that are listed under the top ten most stolen vehicles could have a higher premium than vehicles that are not stolen as often.

Hopefully, drivers who are looking into buying a new car or purchasing a new insurance policy should look into the matter with care and do their homework when it comes to factors that may increase or decrease your premiums.

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