What Makes Auto Insurance Go Down? 
Insurance Companies are trying to price a product before any one uses it and that is a difficult task So , things like deductibles as suggested here can limit your out of pocket expense in the short term , but maybe costly in the long run . So that is an important part of building a personal insurance program , but not necessarily a major piece . I never recommend reducing your limits . That is a drastic action and one you should avoid at all costs . For whatever reason you thought that was an adequate amount insurance before ; it is unlikely that your situation in life dictates that it no longer is necessary . Reduce your costs by how you drive . Many companies will give credit for substantially less driving . T he most correlated variable in auto insurance is actual mile s driven . So if you can reduce that , you should save on your auto policy . . Look at ride share , public transit or other ways to use your car less . If that is not practical look at ways you can drive safer . Be sure your air in your tires is correct , that you can safely see out of your side view mirrors , that you vision is good and that your attention to driving is foremost and that you are not impaired in any way including lack of sleep . Most accidents are caused by human error . Drive defensively ! 