The Insurance Information Institute says there are five things consumers can do to cut auto insurance costs. But it is important to evaluate each one to be sure it will work for you.  Motorists are required to carry liability protection which will pay for damages you cause to another person or their property. But other coverages are optional, such as collision: which will repair or replace your car if you are in an accident; and comprehensive coverage, which will reimburse you if your car is stolen. Both collision and comprehensive coverage are sold with a deductible — the amount of money you pay out-of-pocket, before your insurance kicks in. To view Multimedia News Release, go to