Packed car driving

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OPTION 1: Consider dropping collision coverage if your car is worth less than ten times the premium.

OPTION 2: After answering several screens' worth of questions on, you'll receive auto insurance quotes from four agencies. (You'll have to check out and separately.) "Reassess your coverage once a year, or any time you have a major life change such as getting married, getting divorced, or having a child start driving or go away to college," says Jeanne Salvatore of the Insurance Information Institute.