A free booklet published by the National Information Institute and the U.S. Office of Consumer Affairs, tells you how to lower the cost of your auto insurance.

"Nine Ways to Lower Your Auto Insurance Costs" (item 503X, free) will help you get coverage you need for the least amount of money.The booklet includes a table you can fill in to compare rates from companies and get the best deal.

For your free copy, send your name and address to the Consumer Information Center, Department 503X, Pueblo, Colo, 81009.

Insurance rates can vary drastically depending on the company, agent or broker you choose, the coverage you request and the kind of car you drive.

This means you can save money on insurance by comparison shopping but don't shop for price alone. Your insurer should offer both fair prices and excellent service.

You can reduce the premiums you pay by raising your deductible, eliminating duplicate medical coverage and taking advantage of discounts. Check with several agents for the package that suits you best.

Also from the Consumer Information Catalog comes information about choosing flame-resistant sleepwear.

The federal government has required that children's sleepwear meet stringent flame-resistant standards since 1972. There are, however, no standards for adult's sleepwear.

All fibers used in clothing can burn. But some burn more slowly than others. Modacrylic and flame-resistant cotton, acrylic, polyester and wool are the most flame-resistant fabrics. Acetate, linen, cotton and rayon are the most flammable. Read labels before you buy.

Avoid open wear or open knit fabrics with brushed or pile surfaces such as flannel, terry cloth or chenille. These are more likely to catch fire. Close fitting clothes are much safer. You should also look for garments that can be removed easily if they do catch fire. Last but not least, keep clothing away from stoves, space heaters and other sources of fire.