How Can You Lower The Cost Of Auto Insurance? 
Adjusting your coverage can result in reduced premiums , of course . First , look to increade your deductibles for both Comprehensive and Collision . It makes sense on a newer car because the premium savings will be greater than on an older model . If you have an older model , check the book value of the car and see if the combination of the premium and the Deductible combined meet or exceed more than 10 % of the car 's value . If so , it might make sense to consider removing collision coverage all together . Another way is to talk to your insurance professional about bundling your car insurance with your Home and life insurance with the same company . Most companies offer major discounts for such things . Finally , ask to see if your company offers any `` affinity '' discounts for memberships in alumni associations , athletic organizations , professional organizations etc. . 