Before making any changes, however, check with your auto insurer.

Look at ways to lower your auto insurance. Increase the deductibles, if possible, to lower premiums. If you're a AAA Auto Club member, for instance, remove the towing charge on your auto policy. Why have towing when it's already covered by AAA?

If you're adequately covered by health insurance (such as an employer-sponsored health plan), remove the medical payments line item charge from your auto policy, which can reduce premium costs. Before making any changes, however, check with your auto insurer.[...]

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