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Just when you thought you'd taken advantage of every discount and shrunk your auto insurance premium to its tiniest, auto insurers are offering more ways to make your bill smaller than ever, and all you have to do is be yourself. Almost every insurance company gives you a discount if you've had no accidents or tickets in the last three to five years, or if you buy a homeowner's or renter's insurance policy with the same company (multi-line discount), insure more than one car on your auto insurance policy (multi-vehicle discount) or own a car that is equipped with air bags. But some companies also will reward you for your profession, for your age and for using the Internet. That college degree is worth something 21st Century Group (formerly 20th Century) has found that drivers with degrees in engineering are lower risks than other drivers. If you have a bachelor's degree in any number of engineering or science-related fields -- biochemistry, mathematics or mechanical engineering, for example -- you can get a discount on your auto insurance premium if you buy from them. 21st Century sells auto insurance in Arizona, California, Nevada, Oregon and Washington, and offers the "engineering and scientist" discount in all of those states. If you're a scientist or an engineer with a good driving record, you can save between 10% and 30% on the company's base rate, according to Ric. "Our company's founder saw that educators, scientists, and engineers have lots of characteristics that seem to show that they're the best drivers," says Hill.