The single easiest and most productive thing you can do to reduce your insurance premiums is to bundle them.  This simply means making sure the same carrier has both your home insurance and auto insurance policies (or renters insurance and auto insurance) under one umbrella.  This will typically yield savings of 5-15% on your total insurance premiums. In some cases, the savings can be enough that it is cheaper for you to bundle renters insurance and auto insurance together than it is to have only auto insurance.