I think taxpayers will say we need to take care of people and we shouldn't walk away from people with insurance policies,
As a rule of thumb, you should never buy insurance from someone who is selling you something else. These are bad values where significant commissions are being paid out.
The typical car in America is about $900 for insurance for one car. So, if you have a single car and you save 10 percent, that's $90, so it's worth a phone call.
Insurance companies do charge very significantly different prices. You can easily pay 50% more if you go to the wrong company.
You should call your insurance company and tell them, 'I've changed my driving behavior ? I've stopped driving to work' or, 'I'm using my car less,' and explain it to them and that you'd like to know if you qualify for a lower rate.
They love to sell you insurance you don't need - you don't need a lot of insurance for college.