Those of you who don’t drive as often as most of us can be rewarded for your lower mileage. If you’re the type of driver who only drives a few times a week, you could qualify for cheaper car insurance. For example, if you’re a stay-at-home parent who only drives the kids to their activities and a bit on the weekends, you may be paying more than you need to. Similarly, if you’re an older person who drives rarely, you could be saving yourself some extra dough.

Insurance companies consider young drivers and much older drivers to be more of an insurance risk, since data shows these two groups have the highest number of accidents. Therefore, these two groups are often subject to higher insurance premiums.
But many older and senior drivers can still qualify for discounts on their insurance premiums. Read here for a few of the more common discounts available:

The best way to save money on your car insurance premiums is by being a safe driver. Several factors can play into how much your premium may cost you. These factors include whether you pay your bill on time, live in a low or high-risk area, or drive an older model car. If you’ve been involved in car accidents, and if you have multiple speeding tickets or other traffic violations on your record, you will likely pay much higher auto insurance premiums.

For their service to the country, military personnel – regardless of which branch – can qualify for special discounts that will help them get cheap car insurance. In some cases, military members may be required to have a commanding officer call an insurance company on their behalf, but most of the time, they just have to submit the proper documentation to qualify.

Many car insurance companies will offer discounts to customers who purchase more than one type of policy together. For example, a person may purchase homeowner’s insurance, life insurance and auto insurance together with the same provider. Insurance companies know that this is the best way to keep getting your business, and you can take advantage of lower rates. Everyone wins.

If you want to get cheap car insurance, it is important to have a good driver history. To maintain a clean driving record, motorists need to understand basic laws, as well as proper behavior while on the road. If you have traffic tickets, moving violations or accidents in your driving history, insurance companies are more likely to see you as a high risk driver, and as a result, you could end up paying more money on car insurance.

It’s commonly understood that if you own an expensive car, you will pay higher insurance premiums than if you own a clunker. This is due to a variety of factors. For one, expensive cars are worth more—and if they are damaged, they will cost more to fix. Another reason is that expensive cars are more likely to be stolen.

What many people don’t know, however, is that where they live can affect their insurance premiums. For drivers who live in areas where crime is high and car theft is common, they will see a direct impact on their car insurance quotes.

One way you can achieve cheap car insurance is to take a safety course. For motorcycle riders, it is no different. While riding a motorcycle can be fun and exhilarating, it is also inherently dangerous. Last year, there were 3,615 fatalities related to motorcycle crashes in the United States. Though there has been a slight decline in the number of fatalities in recent years, there has also been a corresponding decline in motorcycle ownership.

Good grades can get you into a good school, which can eventually lead to a good job, which can eventually lead to a good salary. One of the less obvious benefits of hitting the books is that it can get you cheap car insurance. Your mother was right: Studying will take you far.

Imagine if the longer you paid for your electricity bill, the more likely you were to earn a discount on your rates. Or that after years of paying for cable with the same company, you were given a discount to say "thanks." It seems unimaginable. And it is -- unless you're dealing with an insurance company.

Insurance companies like to reward customer spending and customer loyalty: If you purchase several products, you usually will get a discount. And if you stay with the same company for a long time, you are likely to receive a discount.