Well, discounts are normally provided by insurers when they see certain traits in you as a driver, when you are what they regard as a good driver. They normally look at the number of accidents that you have been involved in as well as the number of claims that you have filed. All these factors do play an important role in the discount car insurance quotes that are offered to you. You can be sure that the lower these are the better it is for you. 

You could be someone who works from home and as such has very little use of her or his car. In case your insurer has decided that people who work from home are involved in 50 per cent less number of accidents than ones who do not you will stand to gain and significantly so, it may be added. In that case you may also be eligible for car insurance with no deposit. Since you already fulfill that criterion it means that your insurer has fewer costs to worry about you.

That being said, the insurer will then also charge you a lot less for the coverage than what it would have done otherwise. This can be one major reason behind the auto insurance discount that you get. Along with that, you could also be living in a state where insurers are asked to provide discounts just so that good practices and behavior can be encouraged among drivers and car owners. For example you could be in line for discounts on auto insurance in case you have done a course on defensive driving. It is very important that you have some understanding of how the calculations happen in the context of insurance rates.

There are three rates that come into play in this case – the base rate, surcharges, and discounts. The insurer calculates the base rate on the basis of how risky you are as per its approximation. If you have been a bad driver there could be a chance that surcharges would be leveled on you. One example of such an offence is driving ticket. As has been said already, discounts are offered when you satisfy the insurer that your risk levels are lower. You can however always look for quote insurance car online. That way, at least you can opt for the cheapest rates and at least save some money, if not get a discount straightaway.