Since those with tidy driving records are statistically less likely to have automobile accidents and make claims, numerous insurer give them discounts. You may get a discount rate for going a certain variety of years without an accident, for instance. Do your finest to prevent getting any traffic citations, as these can cause your rates to increase. Going back to school can likewise help keep your premiums down. For example, teenage chauffeurs may get discounts for taking driver's education courses. Liberty Mutual is one of several business that uses an excellent trainee discount for students who maintain a B average or much better.Lots of automobile insurer provide reduced rates for particular groups of individuals, such as federal staff members or active, retired or reserve servicemembers. Examine to see if your company or any organizations you come from supply discount rates on auto insurance coverage. (You'll typically need to use a particular insurance coverage company to get such discounts.) What does your credit rating relate to car insurance? Unless you reside in California, Hawaii or Massachusetts, where the practice is restricted, most automobile insurance provider use a credit-based insurance coverage score when computing your premiums. Having a bad credit rating could suggest paying more for auto insurance coverage.