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If you are a student or have a dependent student on your insurance policy, a good grade point average can also lower your premium. In addition to the aforementioned ways to make changes to achieve affordable auto insurance, you can explore modifying some of the components of your policy. For instance, you can modify your deductible. If you increase your deductible, you can lower your premium. It is important to be confident that you can cover the cost of that deductible, however, should you need to rely on your policy.