Since those with tidy driving records are statistically less most likely to have vehicle accidents and make claims, numerous insurer provide discounts. You might get a discount for going a certain variety of years without an accident, for instance. Do your best to avoid getting any traffic citations, as these can cause your rates to rise. Returning to school can also help keep your premiums down. For example, teenage chauffeurs might get discount rates for taking driver's education courses. Liberty Mutual is among a number of companies that uses an excellent student discount rate for students who maintain a B average or much better.Many automobile insurer use lowered rates for specific groups of individuals, such as federal staff members or active, retired or reserve servicemembers. Inspect to see if your company or any companies you come from provide discounts on car insurance. (You'll usually need to use a specific insurer to get such discount rates.) What does your credit rating relate to cars and truck insurance? Unless you reside in California, Hawaii or Massachusetts, where the practice is prohibited, many vehicle insurance coverage companies use a credit-based insurance coverage score when computing your premiums. Having a bad credit report could imply paying more for vehicle insurance.