15 ways to reduce your Insurance Costs Want a FREE review of your policies to reduce your cost? Send your policies to us! Contact Us   Home AUTO   HOME   Get quotes from several insurance companies. One Form - 15 FREE Quotes. Select higher Deductible amount. An increase of deductible from $500 to $1000 could result in 10% drop of premium. Asking for common discounts: Auto-Home, Good Drivers, Affinity, Multi cars, Senior Driving,... Buy Liability Coverage only, if your cars are old. A cut from Full Coverage to Liability Coverage only could result in 70% drop of premium.     Shop around for the lowest premium. One Form - 20 FREE Quotes. Select higher Deductible amount. An deductible increases from $500 to $2500 could result in 35% drop of premium. Asking for common discounts: Auto-Home, Alarm, Sprinkler, Senior,... Do not over insured. While you should not reduce Dwelling coverage, you can reduce Personal Property Coverage until it is enough to cover your personal things.   HEALTH   LIFE   Switch to Individual Health Insurance if your group premium is high for your dependents or for you. A healthy person can find surprised low cost individual plans. Lower your individual plan cost by select plans with higher deductible and/or coinsurance. Buy Low cost Generic drugs from popular pharmacies like TARGET, WALMART, WALGREENS if your plan does not cover drugs or is a high deductible plan. Shop around for low cost physician services if you have high deductible plan. Shop different insurance companies for low rate and better coverage. FREE instant quotes from Blue Cross - Health Net - Kaiser Permanente.   Consider Term Life. It's the lowest cost Life insurance. You can buy terms of 5yrs, 10yrs, 20 yrs,... depend on your needs.Ex: A 30-yrs term will help your family to pay off a 30-yrs mortgage if you passed away. A 10 yrs term Life could provide education cost for your children who are in high school now in case you die. Pay your premium annually, so you can avoid installment fee.