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Ask your insurance agent if the company provides any discounts for age and safe driving records. If you do have a safe driving record, then you are in the prime position for receiving cheap auto insurance ( http: / / cheap - insurance - rates. com / auto / sanfrancisco. cfm ). This is one of the main factors used in determining the cost of your insurance premiums. If you have a record of several accidents, then the insurance provider sees you as a bad risk and will charge you a higher rate.

Teenage drivers who do have a good academic record are seen as responsible individuals may receive a discount. Many insurance providers provide a discount when you add your teenage son or daughter to your policy when they demonstrate that they have a grade of " B " or higher in their high school subjects. If teenagers take driving lessons from driving schools, this also qualifies for a discount on insurance. Even if you have a record of being at fault in several accidents and enhance your driving skills by taking such courses, you can also qualify for a lower rate.