Play more Cover 2 or Cover 3 and keep your safeties back. Don't go for a pick unless the ball is severly over or underthrown and you're the only person that has a play on the ball. If the WR has a chance at it you're better off swatting it down. Another thing that you can do is slow the receiver up in his route if you're ahead of him. Even with the defensive PI maxed out I've only gotten flagged twice during the first year of my dynasty. And this is college football so it's definitely better to risk the penalty and lay out or impede the WR than it is to give up the easy TD. I recommend playing as the safety at all times b/c even with good AI teammates, they get fooled easily by the PA pass and it's near impossible to catch up once the WR gets 2 steps on you (especially if you're in man coverage). Hope this helps.