When shopping around for car insurance, it can pay off big time if you do your due diligence by ensuring you get the most discounts available to you.  For example, if your child is getting good grades, you could get a discount of up to 25%.

You may be able to get a discount if your teenager moves away to college without taking the car. There are discounts available for being married, cutting down on commute time or improving your credit score. You could also get a discount by raising your deductible or dropping collision coverage altogether on an older car.

Some states even allow you to take a defensive-driving course in exchange for a lower rate.

Where to look?

For a list of discounts available to you by your insurer, take a look at their website, or the buyer’s guide on your state insurance website.