What Factors Can Lower Car Insurance? 
Many factors can keep your auto insurance rates down . First would be a clean driving record . No moving violations in the last 3 years and no at-fault accidents . The longer your driving record is clean the better as some insurance carriers discount if clean for 5-7 years . Being married tends to lower your rate . Packaging polices such as home and umbrella tend to lower auto insurance rates . If your a student having a 3.0 or better will lower your rate . Making sure there is no gaps in your insurance will also help to get you a better rate depending on the state you reside in . Credit is another factor for some states and of course the type of car you drive , how many miles you drive annually and coverage 's you select all are factors in your rate . Insurance coverage is consultative which is why I recommend you talk to a local independent agent who can help find you the right coverage 's at the right premium . 