Due to the fact that those with clean driving records are statistically less likely to have vehicle accidents and make claims, many insurer give them discount rates. You may get a discount for going a particular number of years without an accident, for instance. Do your best to avoid getting any traffic citations, as these can cause your rates to increase. Returning to school can also help keep your premiums down. For example, teenage chauffeurs might get discounts for taking motorist's education courses. Liberty Mutual is among several companies that provides a good student discount for trainees who keep a B average or better.Many car insurer provide minimized rates for particular groups of people, such as federal employees or active, retired or reserve servicemembers. Inspect to see if your employer or any companies you belong to provide discounts on auto insurance coverage. (You'll generally have to utilize a specific insurance company to get such discount rates.) What does your credit report involve car insurance? Unless you live in California, Hawaii or Massachusetts, where the practice is prohibited, most auto insurer utilize a credit-based insurance coverage score when computing your premiums. Having a poor credit history could indicate paying more for auto insurance.