Raise your deductibles. Standard deductible amounts are $100, $250, $500 or $1,000. By selecting a higher deductible, you can significantly reduce your premium.

Make sure you are receiving all the discounts for which you are eligible. For instance, FHG offers the following discounts:

	Home
	•	Multiple policy discount (applies if you insure your home and auto with FHG)
	•	New home credit or credit for updated electrical, plumbing, or heating systems
	•	Discount for safety protection devices installed in your home

	Auto
	•	Supporting coverage discount (applies if you insure your auto and home with the same company)
	•	Multiple car discount
	•	Away at school credit
	•	Driver training credit
	•	Good student credit
	•	Accident prevention training
	•	Senior driver discount

When obtaining homeowners insurance, insure your home, not the land. The land that your house is located on is not at risk from theft, windstorms, and other perils. Don't include the value of the land when determining how much coverage you need.

If you're moving, look at the factors that will affect your insurance premiums. For homeowners insurance, the closer you are located to a fire department, the lower your insurance premium will be. With auto insurance, you will pay a lower rate if your commute to work is less than 15 miles.

Think about the cost of insurance when buying a new vehicle. In general, vehicles with high theft rates, poor safety records, or higher than average repair costs will be more expensive to insure.