Because those with tidy driving records are statistically less likely to have car accidents and make claims, numerous insurance coverage companies give them discounts. You might get a discount for going a certain variety of years without a mishap, for instance. Do your best to prevent getting any traffic citations, as these can trigger your rates to rise. Going back to school can also help keep your premiums down. For example, teenage chauffeurs may get discount rates for taking motorist's education courses. Liberty Mutual is one of a number of business that offers a good trainee discount rate for trainees who preserve a B average or much better.Numerous cars and truck insurer use minimized rates for specific groups of people, such as federal employees or active, retired or reserve servicemembers. Inspect to see if your employer or any companies you come from provide discounts on auto insurance. (You'll generally need to use a specific insurer to get such discount rates.) What does your credit report involve car insurance? Unless you live in California, Hawaii or Massachusetts, where the practice is restricted, most auto insurance provider use a credit-based insurance score when calculating your premiums. Having a poor credit score could suggest paying more for vehicle insurance.