Editor's note: This article first appeared on Insurance.com and is reprinted here with their permission. Click here for the original post.

If you're looking for the best car insurance rates, a 40 percent discount for good students or a 25 percent discount for having more than one policy with the same insurer will probably catch your attention. But when you read the fine print, you may find limits on those eye-opening discounts.

Insurers tend to use such phrases as “save up to 25 percent,” but you may save far less on your car insurance premiums than you initially thought.

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