The single best thing you can do is shop around with other auto insurance companies. Each company is unique in that they have their own appetite for what they like and don't like. You may fit right into some company's "sweet spot". But you will never know which companies can beat your current rates.
As far as lowering premium on an active policy, you have to be careful. Normally when drivers lower their coverages or cut them out altogether, they tend to make cuts in the wrong areas. It's important to understand the difference between a controlled risk and an uncontrolled risk.
A controlled risk is one where by lowering or dropping coverage, you know the exact dollar amount of the extra risk you are taking on. This includes raising your deductibles on comprehensive and collision coverage (or dropping it altogether), dropping additional coverage such as rental and roadside assistance/towing.
Stay away from lowering uncontrolled risks! Namely liability coverage and uninsured motorist bodily injury coverage. This is where people get burned! Keep both of these as high as you can afford them.
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As far as lowering premium on an active policy, you have to be careful. Normally when drivers lower their coverages or cut them out altogether, they tend to make cuts in the wrong areas. It's important to understand the difference between a controlled risk and an uncontrolled risk.
A controlled risk is one where by lowering or dropping coverage, you know the exact dollar amount of the extra risk you are taking on. This includes raising your deductibles on comprehensive and collision coverage (or dropping it altogether), dropping additional coverage such as rental and roadside assistance/towing.
Stay away from lowering uncontrolled risks! Namely liability coverage and uninsured motorist bodily injury coverage. This is where people get burned! Keep both of these as high as you can afford them.