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Counties and municipalities across the United States are turning to a wide variety of measures to help reduce auto insurance premiums. This makes sense; the economy is still struggling. However, when insurance rates rise too high, it causes drivers to drop their auto insurance as they struggle to pay their other bills. This isn’t good news for anyone. Motorists who drive without insurance are breaking a state law and can face serious fines if caught without coverage. In addition, insured drivers then struggle to collect any payments should they get into an accident with an uninsured driver.

Uninsured drivers are likely to become an increasing problem for most states. A study released earlier this year by the Insurance Research Council said that thanks in part to the bad economy, one in six drivers in the United States will be uninsured by 2010. The problem of uninsured drivers varies from state to state. According to the research council, the five states with the highest percentage of uninsured drivers in 2007— the last year for which data is available — were New Mexico, with 29 percent; Mississippi, 28 percent; Alabama, 26 percent; Oklahoma, 24 percent; and Florida, 23 percent. In addition, according to the Insurance Research Council, the number of uninsured motorists rises when the unemployment rate is high.

There are ways, though, for states and counties to help drivers reduce their auto insurance premiums, encouraging them to keep their auto insurance current. Isabella County in Michigan is one of the counties taking a proactive approach.

Motorists pay lower Michigan auto insurance premiums when they drive safely. Most auto insurance companies give drivers significant discounts when they go a certain amount of time without racking up a speeding ticket, moving violation or serious accident. Teen drivers, too, can qualify for significant safe-driver discounts. Officials in Isabella County understand this, and they’re doing their part to make sure that motorists in their county do qualify for these safe-driving discounts.

According to the Saginaw News in Michigan, in late October, Isabella offered motorists a driver’s safety class that focused on basic driving skills and techniques. The county’s sheriff is quoted in the story as saying that the class was designed to both refresh motorist’s driving skills and reduce the amount of traffic crashes in the county. Many auto insurance companies offer reduced auto insurance premiums for those that complete one of these classes. Such classes may become an important tool for states looking to reduce the number of uninsured drivers on their roads.

So, if you’re looking for ways to reduce the cost of your auto insurance, consider looking into the many discounts your auto insurer can offer you.