A lot of agents forget to inform their clients regarding the availability of discount rates when shopping for auto insurance San Diego. Although you may not be able to change your risk factors, you can save some money on discounts being given to drivers who find remedies. For example, taking a professional driving course which specializes in instructing defense driving skills will automatically make you eligible for a price reduction. Other means of lowering risk include driving less than the number of average miles each year, installing safety gadgets in your vehicle and obtaining a family car instead of a sports vehicle. Another great way to maximize savings is to merge coverage. Most insurance providers give up to 15% discount if you link your car and home insurance policies. Best of all, be a responsible and safe driver to keep a clean driving record for at least 2 years. This will also keep your monthly premiums lower.