How Can I Get My Car Insurance Down? 
Managingauto insurance premiums can be done by working with your insurance professional . There are two primary elements of a car policy - the Physical Damage part -LRB- Comprehensive and Collision -RRB- and the Liability part . Check the value of your car . NADA or Kelley Blue Book are great sources . If the deductible , and the annual premium that you are paying , when combined , are disproportionally high to the value of your car , perhaps it is time to consider removing at least Collision . Of course , you also have to ask yourself if you have the financial where with all to replace that car if `` totaled '' . Liability protection is there to cover your financial exposure - income , home value , net worth etc. . You can always adjust the coverage to meet your needs , but remember that the situation may call for an increase in coverage rather than a decrease . Regularly review your particular situation with your insurance professional . 