There are those who may not have much control over premiums due to the fact that a few blemishes have already been added to a driving record or they simply are a younger driver which are usually charged higher premiums because of the statistical data showing an increased likelihood of being involved in an accident. Fortunately, motorists such as these can take steps which can lead to cheaper rates down the road.

For example, a sixteen year old will pay some of he highest prices for coverage, but after three years of good driving and avoiding tickets and accidents, the entitlement to a good driver discount may be applied and can drop a premium around 20 percent.

The same applies to those who have already received a few ding on the records. There are also many discounts available that can be taken advantage of that do not pertain to driving record. The Missouri Department of Insurance provides a list and percentage by company that can be viewed by consumers; always be sure to inquire about any that may apply when looking to obtain coverage.