Due to the fact that those with clean driving records are statistically less most likely to have car accidents and make claims, many insurance coverage companies provide discount rates. You might get a discount for going a specific variety of years without a mishap, for example. Do your best to avoid getting any traffic citations, as these can trigger your rates to rise. Going back to school can also assist keep your premiums down. For example, teenage drivers may get discount rates for taking motorist's education courses. Liberty Mutual is among numerous companies that uses an excellent student discount rate for students who preserve a B average or much better.Numerous vehicle insurance companies offer reduced rates for specific groups of people, such as federal workers or active, retired or reserve servicemembers. Examine to see if your employer or any organizations you come from offer discounts on vehicle insurance coverage. (You'll usually have to utilize a specific insurer to get such discount rates.) What does your credit history pertain to car insurance coverage? Unless you live in California, Hawaii or Massachusetts, where the practice is prohibited, most car insurer use a credit-based insurance rating when computing your premiums. Having a bad credit report could imply paying more for automobile insurance.