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Be sure that you research the auto insurance requirements for your state and purchase only the coverage appropriate for your location. Unfortunately, it is not always easy to change where we live, and certainly not just to obtain discount auto insurance, but maintaining only what you need can help to keep the cost down. Raising your deductible and increasing your liability limits can also help. Perhaps not so surprisingly, the ages of your children have an effect on your qualification for discount auto insurance. You may earn a discount auto insurance rate if your child is away studying at a school located more than 100 miles from home.