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  1. Check the value of your car via Kelley Blue Book. If you’re driving an older model that is worth less than 10 times your insurance premium, consider dropping comprehensive and ­collision coverage, ­suggests the Insurance Information Institute, which could save you between $375 and $1,500 a year on that item alone, ­the group estimates. And always shop around for a new policy: According to J.D. Power, consumers who switched insurers saved an average of $388 in 2015.

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