All drivers are concerned about the high cost of Auto Insurance. The following are some tips on how you can control your own costs and spend your premium dollar wisely:

Raise Your Deductibles – A deductible is the amount of money you contribute before the Auto Insurance Company begins to pay. The higher you set your deductibles, the lower your Auto Insurance premium will be.

Change your Medical Benefits Option – You may have your Auto Insurance Company provide primary medical benefits or you may choose to have your health insurance provider be the primary payer for auto accident-related medical bills. Check first to see if your health plan offers primary coverage for auto accident injuries before selecting this option.

Choose the new Limitation on Lawsuit Option – Select this threshold instead of the zero threshold option. Depending on the Auto Insurance Company, policyholders can save as much as 75% on their bodily injury and property damage liability coverage premium. The new threshold allows you to sue for "pain and suffering" should someone else injure you in an accident and the injuries are: serious injuries which your physician certifies are permanent in nature or result in death, dismemberment, loss of a fetus, displaced fracture or significant disfigurement or scarring. Selecting this threshold does not diminish your medical benefits coverage.

Investigate Discounts – Policyholders are often eligible for a number of discounts including, multi-car, good student, defensive driving, and discounts for Auto safety features and anti-theft devices.

Take a State-Approved Defensive Driving Course – Drivers who successfully complete an approved motor vehicle defensive driving course may receive discounts on their Auto Insurance. For a list of the approved courses call the Department of Banking & Insurance at 1.800.446.SHOP.

Buy A Safe Car – Before you buy a car, find out how expensive it will be to insure. The prices can vary significantly depending on the make and model and whether the car contains safety features.

Drive Safely – One of the best ways to keep your insurance premiums down is to maintain a good driving record.