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1	Good Student credit. Young drivers' rates are usually higher, but high school students with a B average or better can save up to 10%. See College Students.
2	Safe Driver A good, clean driving record for many years is probably the best way to save on auto insurance
3	Years Licensed Experienced drivers are usually the best. Have you had your license for 10 years ore more?
4	Low Mileage Retired? Working at Home? If you don't commute daily to work, you could qualify for discounts.
5	Continuous Coverage Lapses in coverage can disqualify drivers from getting the best rates.