Since those with clean driving records are statistically less most likely to have car accidents and make claims, many insurance provider give them discount rates. You might get a discount for going a specific variety of years without a mishap, for instance. Do your finest to avoid getting any traffic citations, as these can cause your rates to rise. Going back to school can also help keep your premiums down. For circumstances, teenage chauffeurs may get discount rates for taking chauffeur's education courses. Liberty Mutual is among a number of business that provides a good trainee discount rate for students who maintain a B average or better.Many vehicle insurance business use decreased rates for specific groups of people, such as federal employees or active, retired or reserve servicemembers. Examine to see if your employer or any organizations you belong to provide discount rates on automobile insurance. (You'll typically need to utilize a specific insurance provider to get such discounts.) What does your credit history relate to cars and truck insurance coverage? Unless you reside in California, Hawaii or Massachusetts, where the practice is forbidden, most auto insurance provider use a credit-based insurance rating when calculating your premiums. Having a bad credit report could suggest paying more for automobile insurance.