 Ask for discounts, such as for being a good driver, and don't pay for coverage you don't need. Are you already paying for towing insurance, for example? Should you increase your deductibles? That's the amount you pay when you file a claim. Here's one you might not have thought of. Increase your credit score. In most states, car insurers use credit scores to help set their rates. For more, check out Bankrate.com. I'm Mark Hamrick. A new Shrek movie is on its way. From the Entertainment Tonight newsroom in Hollywood, I'm Denny Director. Hey!