Naturally, there is nothing you can do about your age — until you get older. And there is nothing you can do about your gender — unless … well, that is a whole different blog under a whole different category.
Anyway, some things that cause you to pay higher — or lower — rates may seriously surprise you. For instance, if you are married, you are going to pay less than a single driver.
Where you live determines what you pay as well. Drivers who live in congested cities and/or high risk areas — areas where there is a high rate of car theft — pay higher premiums. Conversely, in rural areas, areas with less traffic, and so on, car insurance rates tend to be much less expensive.