What are some factors that help you have lower car insurance?

[willie32]

For example: 2 door vs 4 door.......sunroof....etc.

[CarMan]

There are many factors: the make/model vehicle, whether it's a sports car, how often that vehicle is stolen, the cost of repairs to that vehicle, where you live, where you drive, how often you drive, your driving record, whether you drive for work or pleasure, and your credit score (yes, that's right, many insurance companies base your rates on your credit score).