In today's world of increased repair costs, medical expenses, theft claim payments, and injury lawsuits, the costs of auto insurance are adding up. We'll do everything we can to keep your auto insurance affordable, but there are ways in which you can help us. Here are 12 suggestions:

1. Higher is lower. You can lower your car insurance by increasing your deductible. The deductible is the amount you must pay before your insurance takes over. By increasing your deductible, you may be able to lower your premium by as much as 15-20%. However, assuming a higher deductible means you also assume more financial responsibility if an accident should occur, so only do what is realistic for your budget.

2. Age before beauty. Consider reducing coverage on older vehicles. As your vehicle gets older, you should make changes to your auto insurance. No matter how much your car is damaged, your policy only pays for the cash value of your car. That means, you may be throwing money away if your keep paying premiums on a car that costs more to repair than its cash value.

3. Keep it clean. Accidents and traffic violations can increase your premiums. Be a defensive driver, keep your driving record clean, and please remember to wear your seat belt at all times.

4. Premiums for premium cars. Your auto policy may cost more if you buy a new car, sports car, luxury model or a car that's frequently stolen or easily damaged. Know how much you want to spend on insurance before you buy your car. Ask your agent for help.

5. The family that insures together. Many companies off discounts if you insure all family cars on one policy. You can also save by having your agent cover your cars and home with the same insurance company.

6. Unlock saving. Some insurance companies will give you discounts if your car has anti lock brakes.

7. Drive less, save more. Do you carpool to work, take the bus or subway, or leave your car in the garage most of the time? A discount may be in your future.

8. To forgive is divine. Some insurance companies won't raise your rate for your first accident when you're at fault -- if your driving record is clean for several years. Ask how your company's "accident forgiveness" program works.

9. Thieves will grieve. Theft-proof your car with a hood lock or alarm. Install a device that keeps your car from being started by someone without your permission. Many companies offer discounts for such items.

10. Coming up for air. Buying cars with airbags could mean a discount. Also look into automatic seatbelts.

11. Making the grade. High school or college students may receive credits for good grades. Usually this means maintaining a "B" average, ranking in the top 20 percent, or making the dean's list.

12. Driver's ed pay off. Some companies will lower the premiums for young drivers who pass a state-approved driver's ed course.

We hope these tips can help you keep your costs to a minimum. Please call us if you would like a no-obligation auto insurance quote or a review of your current coverage, or simply get a quote using our on-line form.