Eight Ways to cut Auto Insurance Costs
1
 Buy a car model that might qualify for a discount, or at least doesn't warrant a surcharge.
2 Ask your agent about other discounts. You might qualify if you own a car with an alarm, dual air bags, or anti-Iock brakes, (but some insurers no longer offer ABS discounts). Rate reductions might also be available if you insure your cars and home with the same firm, drive few miles annually or drive solely for pleasure, or commute in a car pool. Discounts exist for people who've taken a defensive-driving class, work in specified occupations, or don't smoke or drink. Most discounts only apply to one portion of the policy, so don't expect dramatic savings.
3 Increase your deductible for collision and comprehensive. Switching from $100 deductible to a $500 deductible could slash your premium by 20-30 percent. Going to a $1000 deductible might cut it in half. You're still covered for catastrophes, but you foot the bill for fender-benders. Also, think twice about filing small claims with your insurance: Why risk a sharp rise in later premiums?
4 If your group health insurance provides generous coverage, consider doing without the medical-payments portion of your auto policy.
5 Drop coverage for such extras as towing costs, or the cost of a rental car if yours is in the shop. Savings here might be small, but these benefits could be duplicated by your new car warranty's roadside assistance provision.
6 Before renewing, study the fine print of the policy to see if its conditions --or your situation --have changed. Another company might have a better offer, so take the time to shop around. Many insurers market policies by mail or phone, or via computer on-line services. Be wary -this could be a useful way to compare prices and coverage, BUT will this new company be there when you have an emergency.
7 Have your teenager share the family car instead of owning his or her own car --and don't forget to ask about "good student" discounts.
8 Drop collision coverage if your car is more than five or six years old. Claims are limited to "book" value, so you're not likely to get much anyway.