Raise Your Policy Deductible
This tip is the one of the easiest ways to save money on insurance (as much as 25%), but you must be willing/able to afford to pay more on a claim.
The higher the deductible = The lower the premium. The recommended or standard deductible is at least $500. If you increase that amount to, say $1000, you will save money on your insurance.
During my research, one interesting perspective that I found was this:
“We should change our perception that insurance of any type is intended to cover all of our expenses when we incur a claim. Those days are over. Think of insurance as risk sharing. How much risk are you willing to assume?”