 TITLE: Does My Auto Insurance Premium Go Down When I Turn 25? CONTENT: Ways to Lower Car Insurance Costs\n---------------------------------\nWhile you can't control all of the factors that go into your car insurance rate—your date of birth is set in stone, for instance—there are some that you can control. Here are some ways you can potentially lower your car insurance costs:\n*   **Rate shop.** Shop around and get quotes online from a handful of insurance companies. Remember, each one will weigh various factors differently, and some offer discounts that others don't. It won't guarantee a lower rate, but it could help.\n*   **Adjust coverage and deductibles.** Some car insurance companies offer optional coverage that's nice to have, but may not be worth the cost. Look for ancillary coverage that you don't truly need and could stand to cut. Also, if you have the cash, consider increasing the deductible on your collision and comprehensive coverage policies.\n*   **Bundle your auto insurance.** Most insurers offer discounts to customers who purchase multiple policies. You may be able to save on your car insurance by bundling it with renters insurance, homeowners insurance, life insurance, motorcycle insurance or other policy types.\n*   **Take a defensive driving course.** Some insurance companies offer a discount if you attend a defensive driving course, either online or in-person. Check with your insurer to see if it offers this option.\n*   **Improve your credit score.** In many states, insurers might use something called a credit-based insurance score to help determine the likelihood that you'll file an insurance claim. Check your credit score and credit report to get an idea of your overall credit health. If you find areas that you can address, take action to improve your credit, which can help lower your car insurance rate.\nTake your time when choosing a policy and determining the right types of coverage. Again, you'll want to try to find a balance between what you could afford to pay if you cause an accident and your current budget for the premium. END