Because those with tidy driving records are statistically less most likely to have vehicle mishaps and make claims, many insurer give them discount rates. You may 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. Going back to school can also assist keep your premiums down. For circumstances, teenage chauffeurs might get discount rates for taking driver's education courses. Liberty Mutual is one of numerous business that provides a good trainee discount rate for students who preserve a B average or better.Many automobile insurance companies use lowered rates for particular groups of individuals, such as federal employees or active, retired or reserve servicemembers. Check to see if your company or any companies you come from provide discount rates on automobile insurance coverage. (You'll generally need to use a specific insurer to get such discounts.) What does your credit history have to do with car insurance coverage? Unless you live in California, Hawaii or Massachusetts, where the practice is forbidden, most vehicle insurance provider utilize a credit-based insurance coverage score when determining your premiums. Having a bad credit report could mean paying more for auto insurance.