Auto insurance breaks?

I was reading CNN money and it states that, “Insurers provide discounts to reward behavior that reduces risk. However, Americans waste some $300 billion a year because they forget to ask for them!”

I was wondering if people could share the insurance breaks they receive from their auto loan providers.

i guess they could share – like in my case i usually get a reward up to 100 every six months — now who should i share it with!!