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	*Dig for discounts. Depending on the kind of insurance you're considering, there are a number of ways to reduce the cost of coverage: Multiple policy - Some insurers offer discounts of 5% to 15% if you have two or more policies with them. For instance, if you already have a homeowner's policy with an insurer, find out if the insurer will discount an auto policy. * Safety equipment - Make certain your insurers know of any safety equipment in the areas they insure. As an example, if you have an alarm on your home or auto, you may be entitled to a discount. * Long-time policy - If you've had coverage through an insurer for a number of years, ask about a reduced premium. * Healthy living - Some insurers take your lifestyle into consideration when determining premiums. For instance, you may reduce the cost of coverage by stopping smoking, driving more safely, or maintaining a healthy weight. * Higher deductibles - A higher deductible generally means a lower premium. But be sure to ask the agent about the pros and cons of higher deductibles before making your decision.
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Home Insurance: Hints, Tips, and Advice

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