When you are trying to insure your car, there are more ways to save on your rate by taking of discounts that many insurers offer you. These can be in areas such as schooling, military service, safety features, or multiple-item discounts that can reduce your costs quite a bit each month. Many companies will give a rate reduction to active and/or retired veterans of the armed forces. 

Infractions such as accidents and speeding tickets can raise your auto insurance. Being a safe driver can get you a discount, insurers rewarding drivers who remain accident and ticket free for a certain set amount of time. Another way to save as a safer driver is to take a defensive driving course. These are offered by your local Department of Motor Vehicles. Your insurer may offer you a discount on your monthly rate for taking this class. 

Car safety features give discounts as well to consumers. Motorized seat belts, anti-lock brakes that were factory installed and having an alarm on your vehicle can all draw big savings. Air bags are another safety feature that insurers like to see in vehicles. Your age can bring down your rate, especially if you a senior citizen. Those who are 55 or older can often have a much lower rate.

In addition, students who have the required grade point average set out by the insurer, can receive a cut in their costs. You can also get a break if you purchase an economy car. These use less gas, have higher safety features and ratings and also are more basic models. Without all the bells and whistles of fancier vehicles, your rate will drop. Families that insure more than one vehicle or piece of personal property with the same company can also get a deal for multiple policies. 

When you speak with your agent, ask which discounts you are eligible for. They can show you which apply and how much they will reduce your policy premium. It is also important to be aware that not all discounts are offered by every insurer and may vary with each state.