Bundle Insurance - When you have all of your insurance policies with one agency, you save 5-15% compared to what it would cost to buy policies separately. Be sure to consider this when pricing insurance.
Considering Dropping Collision Coverage - If you can afford car repairs if you have an accident that is your fault .. or if you replace cars frequently .. collision coverage may be something you don't need.
Get Better Auto Rates - If you carpool, have low mileage, or commute by rail and park your car at the station, many companies offer discounts on auto insurance. The same is true of good student teenage drivers who have good grades.
Life Insurance - Non-smokers, exercisers and people who maintain a healthy weight can enjoy as much as 50% savings on life insurance.
Homeowners Insurance can be reduced by 10% for people over 55 because they spend more time at home and can better monitor and maintain their property.
Raise the Deductible - Consider raising the deductible on auto and home policies. Generally raising it from $500 to $100 saves you 15% on a homeowner's premium.
Security Improvements - Adding an alarm system or fire sprinkler system may cut your homeowner's insurance cost.
Source: AARP Bulletin.
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