An additional discount may be available via "pay as you drive" programs, said Adams. These use hardw...

1. Get married and save on car insurance
An additional discount may be available via "pay as you drive" programs, said Adams. These use
hardware that transmits to insurers information about your driving habits. That can include how
much you drive, how fast, and how hard you brake or take turns.
Students who carry a "B" average or better may qualify for discounts of up to 20%, depending on
their carrier, she said. They can also reduce their premiums by raising the deductible they pay.
Your gender and age also significantly affect how much you pay, the report found.
According to a report from insuranceQuotes.com, a 20-year old married woman pays an average of
22% less for car insurance than her single counterpart. And a married 20-year-old man pays 20%
less than his single friend of the same age.
Gender discounts are not as large, but insurers do charge women much less than men during the
first years they're on the road.
As people mature, gain experience and take on more responsibilities, they become safer drivers,
Mike Barry, a spokesman for the Insurance Information Institute, says.
"Insurers price their policies to reflect the claims risk," said Barry. "They look at claims filings and
arrive at conclusions as to who is likely to file more -- and more expensive -- claims."
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InsuranceQuotes.com and Quadrant Information Services calculated the impacts of gender, age and
marital status on car insurance premiums using data from the largest carriers in each U.S. state and
the District of Columbia. It noted that Hawaii is the only state that doesn't allow insurers to set rates
based on age or gender.
NEW YORK (CNNMoney)
The lowest premiums are charged to drivers at age 60. After that, premiums start to creep up again.

2. By the time a single man is 75, for example, he's paying 20% more than a single man at age 60.
A 20-year-old woman pays 19% less than a man the same age. By the time they're both 25, the
gender difference drops to 4% and narrows through age 30. After that, men pay slightly lower
premiums.
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Age is the biggest factor. At age 20, a single male driver will pay 49% more than a single man who is
25, insuranceQuotes.com's report found. An unmarried woman will pay 39% more at age 20 than at
age 25.
First Published: April 10, 2014: 12:17 AM ET
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"In addition to regularly comparing at least three quotes from different insurers, consumers should
review potential discounts with their current insurer," she said. "This is even more important for
younger drivers because they tend to pay the highest rates."
Shopping around can help cut costs, according to Adams.