| 1. | Have a car with ABS brakes |
| 2. | Have airbags |
| 3. | Have an anti-theft system |
| 4. | Drive low mileage |
| 5. | Have daytime running lights |
| 6. | Maintain good credit |
| 7. | No accidents in the last 3 years |
| 8. | No tickets in the last 3 years |
| 9. | Have a driver training course |
| 10. | Are a senior citizen |
| 11. | Have an AAA or CAA membership |
| 12. | Are a student and have good grades |
| 13. | Plus most companies give discounts based on: |
| | •Being a long-term policyholder |
| | •Having multiple cars on your policy |
| | •Having both your home and car insured with the same company |
