1. Shop around: Compare quotes from various insurance providers to find the best deal.

2. Increase your deductible: A higher deductible means lower monthly premiums, but make sure you can still afford the deductible if you need to file a claim.

3. Bundle your policies: Many insurance companies offer discounts if you buy multiple policies from them (e.g. home and auto insurance).

4. Install safety features: Installing smoke detectors, burglar alarms or other safety features can lower your insurance rates.

5. Maintain a good credit score: A good credit score may result in lower insurance rates.

6. Avoid making small claims: Making small claims may lead to higher premiums in the long run.

7. Ask for discounts: Many insurers offer discounts for things like being a long-term customer, being retired or being a member of certain organizations. Be sure to ask your insurance provider about all available discounts.

8. Choose the right coverage: Don’t pay for coverage you don’t need, but also make sure you have enough coverage to protect your assets.