How Can I Reduce My Auto Insurance? 
You can reduce your auto insurance premiums in many ways . Of course , shopping through an experienced broker -LRB- or online through a respected website -RRB- may yield substantial savings . They do the shopping while you relax and do the saving ! Increasing your collision and comprehensive deductibles will lower your rate . There are many options that may be very cost-effective for you . Verify that you are receiving all discounts that you are entitled to by speaking to a broker . 55 and retired , good-student and low-mileage are just a few discounts that most carriers offer . Improve your driving record and/or credit . It will help ! And it may save you thousands of dollars instead of hundreds of dollars over your lifetime . 