With auto insurance rates climbing as fast as they have, it’s no surprise that auto insurance is expected to be one of the hottest issues on the floors of some state Legislatures across the country.

Here’s a list of Auto insurance tips to lower your cost on auto insurance  .

• Carefully consider your requirements for comprehensive and collision insurance. Owners of older cars might be wise to drop these two coverage , because the policies only pay up to current book value of the car.

• Consider increasing deductibles. Substantial savings can be obtained by agreeing to pay the first $500 or $1,000 of each comprehensive or collision loss. Premiums could drop 15 percent to 40 percent for such concessions. (more…)