Since those with tidy driving records are statistically less likely to have car mishaps and make claims, lots of insurance coverage companies give them discounts. You may get a discount rate for going a specific number of years without an accident, for example. Do your best to avoid getting any traffic citations, as these can trigger your rates to increase. Going back to school can likewise help keep your premiums down. For example, teenage motorists might get discounts for taking motorist's education courses. Liberty Mutual is one of a number of business that provides an excellent student discount for trainees who maintain a B average or much better.Numerous automobile insurer offer decreased rates for specific groups of individuals, such as federal staff members or active, retired or reserve servicemembers. Check to see if your employer or any companies you come from supply discounts on car insurance. (You'll usually have to utilize a particular insurer to get such discount rates.) What does your credit rating relate to automobile insurance? Unless you live in California, Hawaii or Massachusetts, where the practice is prohibited, a lot of automobile insurance companies use a credit-based insurance coverage score when computing your premiums. Having a bad credit rating might suggest paying more for automobile insurance coverage.