Since those with tidy driving records are statistically less most likely to have cars and truck mishaps and make claims, lots of insurance provider provide discounts. You might get a discount for going a certain number of years without an accident, for example. Do your best to avoid getting any traffic citations, as these can cause your rates to increase. Returning to school can likewise help keep your premiums down. For example, teenage drivers may get discounts for taking driver's education courses. Liberty Mutual is one of a number of companies that provides a good student discount rate for students who preserve a B average or better.Many car insurer use reduced rates for specific groups of individuals, such as federal employees or active, retired or reserve servicemembers. Examine to see if your employer or any companies you come from provide discounts on automobile insurance coverage. (You'll usually have to utilize a specific insurance provider to get such discount rates.) What does your credit history have to do with car insurance coverage? Unless you live in California, Hawaii or Massachusetts, where the practice is forbidden, most auto insurance companies use a credit-based insurance score when computing your premiums. Having a poor credit rating could suggest paying more for auto insurance coverage.