•Raise your deductible. Going from $200 to $500 could trim collision and comprehensive coverage premiums by up to 30 percent; raising the deductible to $1,000 could slash premiums by 40 percent or more.
•Drop collision or comprehensive coverage on old cars.
•Get a discount by buying two or more kinds of insurance, say, homeowners and auto, from the same insurance company.
•Driving less? You could get a discount if you travel fewer miles than average.
•Compare the cost of coverage before buying a car. Premiums are tied to price, repair costs, safety record and chances of it being stolen.
•Insurers give safe-driver discounts if, say, you had no moving violation or accident in three years, you're age 50 to 55 or your child is a college student not living at home.
Note: In-story commenting has been temporarily disabled due to technical issues. We are working to correct the issue and will bring back this feature in the future. In the meantime, please use our talk forums to discuss stories.