Saving Money: How to Save Money on Home Insurance

Use these great tips to reduce the cost of your home and auto insurance. Insurance laws vary by state, but many of these tips will reduce your monthly premiums no matter where you live.

These great tips can reduce your home insurance premiums by 10 to 45 percent and save you up to $300 a year on your car insurance. How much you can save depends on where you live, your insurance company's rate structure and risk philosophy, your individual policy and your insurer's list of available discounts.

Choose fire-resistant siding

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Situations that raise rates

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Install storm shutters

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Replace washer hoses

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Choose a tough roof

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Install trouble detectors

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Consider reducing auto coverage

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Pay promptly

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Kid at college?

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Change jobs or retire?

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Track your tickets

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Avoid small claims

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