Because those with clean driving records are statistically less likely to have car accidents and make claims, many insurance provider provide them discount rates. You might get a discount rate for going a particular variety of years without a mishap, for instance. Do your finest to prevent getting any traffic citations, as these can cause your rates to rise. Returning to school can likewise assist keep your premiums down. For example, teenage drivers might get discounts for taking chauffeur's education courses. Liberty Mutual is one of a number of companies that provides a great trainee discount for students who preserve a B average or much better.Lots of car insurer provide lowered rates for particular groups of people, such as federal employees or active, retired or reserve servicemembers. Inspect to see if your company or any organizations you belong to provide discounts on auto insurance coverage. (You'll generally have to use a specific insurance business to get such discounts.) What does your credit rating relate to car insurance? Unless you live in California, Hawaii or Massachusetts, where the practice is prohibited, most car insurance companies utilize a credit-based insurance coverage score when determining your premiums. Having a poor credit score could imply paying more for automobile insurance coverage.