Since those with tidy driving records are statistically less likely to have cars and truck accidents and make claims, lots of insurer provide 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 cause your rates to increase. Going back to school can also assist keep your premiums down. For example, teenage chauffeurs might get discounts for taking chauffeur's education courses. Liberty Mutual is among several companies that uses a great trainee discount for students who keep a B average or better.Many car insurer use reduced rates for specific groups of people, such as federal staff members or active, retired or reserve servicemembers. Examine to see if your employer or any organizations you come from offer discount rates on vehicle insurance. (You'll typically have to utilize a particular insurer to get such discount rates.) What does your credit history pertain to vehicle insurance coverage? Unless you live in California, Hawaii or Massachusetts, where the practice is restricted, many auto insurance provider utilize a credit-based insurance rating when calculating your premiums. Having a bad credit history might imply paying more for automobile insurance.