Since those with tidy driving records are statistically less likely to have car accidents and make claims, lots of insurance provider provide them discounts. You may get a discount for going a specific number of years without a mishap, for instance. Do your best to avoid getting any traffic citations, as these can trigger your rates to increase. Returning to school can also help keep your premiums down. For example, teenage drivers may get discount rates for taking motorist's education courses. Liberty Mutual is among numerous business that offers a great trainee discount rate for students who maintain a B average or better.Lots of cars and truck insurance coverage companies provide lowered rates for specific groups of people, such as federal staff members or active, retired or reserve servicemembers. Check to see if your company or any companies you come from supply discount rates on auto insurance coverage. (You'll normally need to use a specific insurer to get such discount rates.) What does your credit report have to do with cars and truck insurance coverage? Unless you reside in California, Hawaii or Massachusetts, where the practice is prohibited, the majority of vehicle insurer use a credit-based insurance rating when computing your premiums. Having a poor credit history might imply paying more for vehicle insurance.