Car Insurance in Florida rates can be lowered by what is called a safe driver. This information is placed right on the drivers licenses of those that have not been ticketed for years and have not been involved in accidents for several years. Insurance agents that see these licenses know that they can offer discounts to those safe and responsible drivers. Teens can receive discounts by carrying a good grade average. Students that carry a grade point average of 3.0 or better can look forward to lower rates. This will be checked every six months by the agent to make sure the discounts are earned. Young drivers can also get lowered rates if their insurance is grouped onto a parent’s policy.