Car insurers that have been tripping all over each other to raise premiums are now dialing back a bit. The overall insurance market shows very minimal increases for the next year, and people in many states will benefit from lower insurance rates. In Florida, New York and Massachusetts, this is not true. Those states are suffering from a lot of auto theft and from the fraud rings that stage accidents to make money. But State Farm, the largest auto insurer in the country, has cut rates in 13 states already this year. USAA, one of the nation’s best, has cut rates in 20 states. Some of it is due to market share pressure from competitive companies like Geiko and Progressive. But it’s also because baby boomers are aging and are becoming better drivers. The key for you is to shop for insurance. You can find huge disparities in the cost of premiums from one insurer to another. Yet, most people won’t shop around because it’s boring. When you shop, be sure to raise your deductible as high as you can. This will reduce your premiums and you don’t want to make a claim unless it’s for something catastrophic. Secondly, start with the best insurers. Consumer Reports has found three companies are the top year after year. Amica Mutual is No. 1, according to the latest survey. You have to have a great driving record and drive a dull car or they don’t want you. USAA is No. 2, followed by Cincinnati Insurance.