What Makes Auto Insurance Go Down? 
There are many factors in rates for insurance . Your rates are not only determined by your driving habits and type of car and your age . there are things that make rates increase such as how many people in your area have accidents and duis and also things like Sandy and Katrina . Things to lower your rates are things like deductibles , however high deductible will lower your rates but not by much when you take in to the fact that going from 100 deductible on comprehensive to 1000 may save a you a few dollars in a month can you come up with 1000 in the event of a loss ? Not many can . Also lowering Liability limits but this is not a good choice either in the event of an accident will you have enough coverage ? My best suggestion is to shop around call in independent insurance agent they can compare rates with many carriers 