If you are still in high school, take a drivers education course. This course is not only for young drivers or those with bad driving records. The National Safety Council will have information on locations and availability. Be sure you can afford that increase in deductible before making the change to your policy. If you are claim free, inquire about the availability of this discount.
Many people still carry full coverage on vehicles with little or no book value.
The car is a total loss in an accident. Many companies offer discounts for students away at school with high GPA's. This is especially true for students who live in cities, but go to school in an urban area. You will need a copy of your dorm or tuition receipt to prove residency and may have to change the address on your drivers license. It pays to review your policy at least annually.