Because those with clean driving records are statistically less likely to have automobile accidents and make claims, lots of insurer give them discounts. You may get a discount for going a specific variety of years without an accident, for instance. Do your best to avoid getting any traffic citations, as these can trigger your rates to rise. Going back to school can also help keep your premiums down. For instance, teenage drivers might get discount rates for taking motorist's education courses. Liberty Mutual is among several business that offers an excellent trainee discount for students who maintain a B average or much better.Numerous cars and truck insurer use decreased rates for particular groups of people, such as federal employees or active, retired or reserve servicemembers. Examine to see if your company or any organizations you come from provide discounts on vehicle insurance. (You'll typically need to use a particular insurer to get such discounts.) What does your credit score pertain to car insurance? Unless you live in California, Hawaii or Massachusetts, where the practice is prohibited, most car insurance business utilize a credit-based insurance rating when determining your premiums. Having a poor credit report might mean paying more for auto insurance.