Negative auto insurance factors:1. Accidents. If you have a lot of damage reports, and have many small or larger accidents this normally will make auto insurance agents increase the premium for you.2. Speeding Tickets. This is another thing that auto insurance agents don’t like, and you would probably get a higher quote.3. Bad Credit report. This is probably the factor that hurts the most. 4. Your age. If you are a very young driver this will affect your premium negatively. In some countries drivers below the age of 23 will get a quote that is to or three times higher than a older driver would get.5. Adding a teen driver to your auto insurance policy. Usually younger drivers get into accidents more often than a experienced driver.Positive auto insurance factors:1. Your car’s safety features. If you have an alarm installed this will help you get a lower quote.2. Have a garage to store your car in. This will help prevent theft and vandalism.3. Low annual commuting miles. The more you drive, the higher is the risk of getting involved in an accident.4. Extra brake-light. Usually mountet high up in the rear windshield. This will help preventing other drivers to hit you from behind.5. Safe driving. The less accidents the lower premium. Drivers often get bonuses when driving for many years without an accident. With this you should get a picture of how to lower your auto insurance premium. Another thing to do to get a cheap auto insurance is to contact several companies to get quotes from. A good place to start is online, since the best offers is to be found there.You can start by visiting our website and get quotes from all the auto insurance companies in the list.