Good student discounts
If you have students on your policy, insurers provide a good financial lesson when the kids hit the books. Practically all the companies provide car insurance good student discounts for single, full-time students who are doing well in school and are under a certain age, usually 23 to 25. At Allstate, it's a savings of up to 20 percent.
"The data (show) that the better a student does in school, the less likely they are to have an accident," says Brad Hilliard, a spokesman for State Farm. While State Farm's "good student discount" varies depending on gender, age and marital status, it's usually in the range of between 10 percent and 25 percent, he says.
State Farm also has a special program known as Steer Clear that gives younger, student-age drivers an insurance discount of 15 percent in exchange for additional training and supervision, Hilliard says.
If you're well past your school years, you can get a car insurance discount if you go back to the classroom for a defensive driving course, also known as a motor vehicle accident prevention course. Organizations such as AARP offer the classes, or you might find a program through your state department or bureau of motor vehicles.