What Can You Do To Reduce Your Auto Insurance Premiums? 
There are a lot of things you can do . Many companies offer discounts for bundling your homeowners and your auto policy together , taking drivers safety courses , getting good grades in school , driving low annual miles and having a clean driving record . Talk to your agent or broker to make sure that you are getting all of the discounts you deserve . You can also lower the premium by raising your deductibles or reducing your coverages . The make , model and year of your vehicle can also have a dramatic effect on your premium . 