How To Lower Your Auto Insurance? 
There are several strategies that should be explored . Here are a few of the more commonly applied ones : Call two or three local agencies and ask for quotes from several of their carriers , using the same coverages , limits and deductibles . -LRB- Ask each agent for their suggestions as to lowering your costs . -RRB- Discuss all possible discounts available to you , such as safety devices on the vehicles , defensive-driver courses completed , etc. . See if you can combine your auto and home coverages on the same policy . Review your credit situation and see if you can rectify any discrepancies on the credit bureau reports Increase your deductibles , in-line with your financial situation . Consider dropping comprehensive coverages on older vehicles . 