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A strategy you can employ to discount your auto insurance is to pay a higher deductible. The deductible is the monetary amount of damage you are liable for before the insurance assumes responsibility. By opting to raise your deductible you will in fact be lowering your rate sometimes by a significant amount allowing you to obtain affordable car insurance. This may be desirable to you if you have a good driving record or happen to drive an older car that would not merit the need for comprehensive or collision insurance.