Many different auto insurance companies offer a discount for different situations such as age, using the public transit system, and efforts you make to deter thieves.  Some details on some of the insurance discounts available are below:

Senior Discount

A large number of  auto insurance providers provide discounts for drivers over the age of 55.  Most of the discounts range between five and ten percent per year.  Sometimes there are some conditions such as needing to take a defensive driver course.

Using the Public Transit System

There has been some talk online about a discount offered by Massachusetts auto insurance companies.  If you use the transit system as your primary means of transportation and meet certain criteria, you get a discount on your car insurance.  I can see this discount appearing in different states as well.

Deterring Thieves

There are a lot of insurance claims due to thieves.  Whether they steal your vehicle or cause damage, they cost insurance companies millions of dollars per year.  Some companies now offer reduced insurance rates if you take steps to make your vehicle less attractive to thieves.  Such things as etching your VIN number into your widows or installing an anti-theft system will reduce your insurance premiums.

As with any other service, don’ be afraid to ask.  Your insurance broker will be happy to find the discounts you need to make your car insurance package cheaper.