California insurance discounts vary by company. However, many companies offer discounts for items that they feel indicate that you are a responsible person and therefore a safer driver. For example, companies have discounts for being good student if you are still in school, being a college graduate, and owning your own home. Other California insurance discounts can include discounts for having a clean driving record, or for taking a defensive driving class. Call your insurance company to make sure that you are receiving all the discounts you are eligible for.