personal finance correspondent sheryl epperson is here. >> it is something that everyone watts to try to figure out, how can i cut my car insurance rate, i want to try to save some money. it's possible if you just shop around. nerd wallet did a survey about two years ago and they found the average person overpays $368 a year on car insurance just because they don't shop around. they stick with what they know. they don't buy exactly the amount of insurance they need. >> like looking for exactly the amount you need, i guess that's just stuff that takes a little time, you're saying do it? >> yeah, definitely look around and see what you need. texas, for example. you might pay $1400 on average. but you can get something for as low as a little over $1,000. you can save about 30% on your insurance. >> one old axiom that comes to mind is you get what you pay for. do you have to worry they will not cover your claims? >> not necessarily. the one thing you also need to look at is the deductible. they say, well, i want a lower premium. i'll pay a higher deductible. that's a good way to save, you