Increased coverage costs more money, but you can reduce your premium by making sure that your insurer is giving you all the discounts you are qualified for. Did you know that many companies give discounts to customers that own their own homes? It's true! According to insurance company statistics, people that own their own homes are less likely to be in an auto accident, so insurance companies will often take a little bit off of your premium if you are a homeowner. Other common discounts include:

• Multi-policy discounts for having more than one policy with the company

• "Good student"  discounts for kids who maintain a "B" average or above

• A "car pool" discount for people who participate in a car pool to commute to and from work

• A "student away from home" discount, for families with college students who live on-campus and do not have a vehicle with them

• In addition to using driving record as a rating factor, most companies also offer a discount for policyholders who maintain a clean driving record.

• If you don't drive very much, you may be eligible for a low mileage discount. This is usually offered to drivers who put less than 7,500 miles per year on their vehicles, although the exact mileage limit for this discount can vary by company.

• Discounts based on your vehicle's safety features, such as anti-lock brakes, air bags or alarm systems.

• A "defensive driving" discount for drivers who complete an approved defensive driving course, such as the course we offer here at Driving University. Many companies have other qualifications for receiving the discount, such as having a clean driving record or being in a certain age group. Call your insurance company to see how much you can save by taking Driving University's convenient online defensive driving course!