You may not be eligible for all of them, but most insurance companies offer auto insurance discounts, though they vary from company to company. Motorists can generate savings on insurance by maintaining a safe driving record. Good driver discounts can mean a 10-20% saving.

Driver training discount: For young drivers who have completed a driver training course. A few companies offer discounts for those completing a senior driver defensive course.

Good student discount: Limited to high school or full-time college students over the age of 16, and is usually contingent on maintaining a B or better grade average. Discounts could range from 5-25%.

Resident student discount: Offered by some companies to an insured whose family includes a resident student, without a car, at a college more than 100 miles from home. A discount might also be available to those taking a car to college, depending on the college's location.

Multi-car discount: Usually available to those who insure two or more cars with the same company.

Safety feature discount: Available from some companies to drivers of cars with air bags since studies show that they have reduced injuries to vehicle occupants. A few provide discounts for daytime running lights and antilock brakes (ABS).

Anti-theft device discount: Available from some companies to insureds whose vehicles are equipped with alarms or disabling devices that reduce exposure to theft.

Multiple policy discount: Available from some companies to individuals carrying more than one policy (i.e., auto, home, life, health) with the same company. Savings could be in the 5-15% range.

Commuter or carpools: If you drive just a few miles to take public transportation to work or carpool, ask if a mileage discount is available.

Tips To Save On Auto Insurance

Here’s how to save on your auto insurance without sacrificing your insurance needs.

• Increase your deductibles. You can reduce your premiums if you shoulder more of the risk. By increasing your deductible, you are responsible for small losses, not your insurer. Increasing your deductibles from $200 to $500 could reduce your collision and other than collision premiums between 15-30%.
• Choose the right car. Before you buy a car, ask your agent or company representative how the premiums for the vehicle you want compare with those of similar models. Premiums are higher for most luxury and sport models and four-wheel drive vehicles because of higher accident repair costs and auto theft experience.
• Eliminate duplication of coverages. Some auto medical expense coverages may duplicate insurance provided by your employer. If you belong to an auto club that provides towing and labor services or it's provided by the auto manufacturer, you don't need policy coverage.
• Reduce your daily driving. Statistics show that the farther you drive, the more likely you are to be involved in an accident-and the more you'll pay for insurance. Some companies offer discounts to those who drive fewer than a predetermined number of miles annually, while others offer discounts to carpoolers.
• Become a defensive driver. One at-fault accident or major traffic violation can increase your rates by as much as 40%. In some cases it can place you in a high-risk category. Some companies reward policyholders for remaining accident-free for a certain period of time.
  
• Double-check how and where you park. Often the cost of vandalism and auto theft is overlooked, which invariably costs us all. Always lock your car and park under street lights.