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How can I improve my auto insurance score?
Move to a small town in an insurance friendly state. - Certian states like Florida are considered high risk for doing business for insurance companies.   Get a (relatively)new midsize sedan in white, tan, or brown.  These colors are the least likely to get stolen and the modern midsized sedan is considered the safest vehicles to drive. Drive less than 100 miles a month - The less you drive the less likely you are to be involved in an accident Go 9 years with no claims, tickets, or late payments and maintain a valid drivers license and Insurance. Drivers who go for long periods with out incident are more likely to be safe drivers. Have an income in upper middle class.  Drivers in this bracket tend to be statistically safer drivers and are the least likely to be involved in fraud.