Insurance payments can be burdensome, but they are a necessity for you, your family, and your home. A few things you can do to help reduce your insurance costs are: Don’t switch companies too often, this may help reduce your payments or provide you with free credit from companies who reward for loyalty. Shop around for the best prices; check out comparison sites on the internet. Have plenty of smoke alarms throughout the house, and a burglar alarm to reinforce the fact that you are low-risk. Don’t be afraid to ask about discounts, you may be surprised by special perks. Bundling can sometimes reduce costs, consider bundling your auto and home insurance together for a discount. Also, maintain a good credit score, and if your score is low, take steps to improve it. More here