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Determine whether you really need certain kinds of coverage. For example, if uninsured drivers are rare in your area, you may be able to dispense with uninsured driver coverage. Also weigh the pros and cons of raising your deductible. A higher deductible can lower your premium significantly, but it is cost effective only if you can also afford to pay the higher deductible if something should happen. Take out a longer policy, since companies often charge more for short term policies.