Five-ways to save on car insurance that some consumers can easily overlook. Do you have daytime running lights? Are your teen's grades good? deny auto insurance rate proposals from insurers Geico and Progressive that the consumer group says will dole out unfair discounts based on From daytime running lights to alumni affiliation, there are lots of ways to trim your premium, if you know about them so-called “pay as you drive” or “usage-based” insurance is simple enough. As State Farm puts it: “Safer drivers should pay less for auto insurance.”.