When you shop for car insurance it's tempting to focus solely on finding the cheapest price. But with that strategy you can short change yourself on coverage and customer service.
Whenever you explore whether you can save on what you're paying for car insurance, do make sure your current policy reflects your current needs. Maybe something has changes that can bring down your rates, such as you now drive fewer miles than you used to.
Don't skimp on un-insured/underinsured motorist coverage, which protects you if you're hit by a driver whose insurance is either inadequate or nonexistent. Do raise your deductible and drop unnecessary coverage.
Don't go with the bare minimum of coverage because you could potentially leave yourself on the hook for expensive damages. And do put money aside if you drop collision coverage on an older car because if it's in an accident, you'll need savings to pay for repairs or for the down payment on a replacement.