How can I cut my Costs?

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Auto insurance is not just a way to pay for minor finder bender, consider your insurance a backstop against major losses. Make sure you have enough savings to cover your deductible in the event of an accident and select a larger deductible. You can also eliminate coverages you have on old cars that have little value or those that are not being financed.
This sounds like an easy way to cut costs but be aware, sometimes people who stopped their non-required coverages on cars that were not being financed, found those cars still have significant value.  In this case, they sustained some heavy losses when an uninsured driver out on the road demolished their car.
Be sure to take advantage of those offers by your insurance company for taking a driving education class, installing safety devices and have more than one car.  Security devices will also qualify you for some kind of discount as will low annual mileage and if you are a retiree.  A driving record that is accident free, anti-lock brakes on your car, being a preferred driver as well as being a non-smoker can also be offered as a way to obtain a discount by your insurance company.