There are some factors that affect your auto insurance premium that you cannot to much about like the state you live in, your age. The make and model of your car, your driving record, and where your car is garaged. But there are some factors as well that you can do something about to help you lower your premiums. Eliminating optional coverage from your auto insurance will surely lessen your premium like towing, rental insurance and labor will lower your premium. Also by increasing your insurance deductible, eliminating collision and comprehensive coverage if you are driving an old car that is worth less than $1, 000 and could manage to pay for repairs if necessary. You can also ask about discounts that are available for your auto insurance. And of course the most practical way is to drive safely and by keeping your car in a garage.