Just like some carriers offer better premiums rates for young people, some carriers offer more competitive rates for applicants with complex health histories, like diabetes or cancer. (policygenius.com)
Another smart financial move is buying long - term disability insurance while you're young and healthy, which qualifies you for better premiums. (investopedia.com)
Gender also is one of the determining factors and women generally get better premium rates when compared to men as they are considered to be safe drivers. (autoquotenow.com)