Car Insurance - 5 Tips To Immediately Lower Your Insurance Payments - Car Insurance - 5 Tips To Immediately Lower Your Insurance Payments. The Bad News - “Most drivers over insure their vehicles and over pay for insurance they don’t need and will probably never use” notes Eric Bryant, a car insurance agent in Ohio. “Your insurance agent is not going to tell you because that would lower his/her commission and your car insurance company certainly will not tell you and lower their profits either.” 1. Raise Your Deductibles - “A lot insured motorists have deductibles of $100 or $250 in case of an at-fault accident or some unforeseen insurance claim” Bryant said.
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