Since those with clean driving records are statistically less likely to have automobile mishaps and make claims, numerous insurance business provide discounts. You might get a discount for going a specific variety of years without an accident, for example. Do your best to avoid getting any traffic citations, as these can cause your rates to rise. Returning to school can also assist keep your premiums down. For example, teenage drivers might get discounts for taking motorist's education courses. Liberty Mutual is among a number of business that offers a great student discount rate for trainees who keep a B average or better.Lots of vehicle insurance provider offer reduced rates for specific groups of individuals, such as federal workers or active, retired or reserve servicemembers. Check to see if your company or any organizations you come from provide discounts on auto insurance coverage. (You'll typically need to use a particular insurer to get such discount rates.) What does your credit history involve automobile insurance coverage? Unless you live in California, Hawaii or Massachusetts, where the practice is restricted, the majority of vehicle insurance coverage companies utilize a credit-based insurance score when calculating your premiums. Having a poor credit history could mean paying more for auto insurance.