As we have established, there are many ways to lower your premium. For example, you can ask about good driver benefits or low-mileage discounts. Some insurers also offer discounts to students with a 3.0 GPA. If your premium rates have increased because of your age or some traffic tickets, there are ways to get them back down. Namely, you can take a defensive driving course. If that doesn’t work, you could accept a higher deductible - but only if you have money to spare.