Since those with clean driving records are statistically less likely to have cars and truck mishaps and make claims, many insurance companies provide discounts. You might get a discount for going a specific number of years without an accident, for instance. Do your finest to prevent getting any traffic citations, as these can cause your rates to rise. Going back to school can also help keep your premiums down. For instance, teenage motorists might get discounts for taking motorist's education courses. Liberty Mutual is among a number of companies that provides an excellent student discount for students who preserve a B average or better.Lots of vehicle insurer provide decreased rates for particular groups of people, such as federal staff members or active, retired or reserve servicemembers. Inspect to see if your employer or any organizations you come from offer discounts on auto insurance. (You'll typically need to use a particular 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, a lot of car insurance provider use a credit-based insurance rating when calculating your premiums. Having a poor credit score could mean paying more for car insurance.