Life insurance: When you apply for life insurance you are asked a series of questions. Some of the questions asked include things like if you ride ATV's or motorcycles. If you answer "yes" you may be paying 10% more for life insurance than you have to. By leading a safer, or less risky life, you pay less for life insurance. This is why non-smoker rates are traditionally as much as 20% less than smoker rates. The best way to cut your monthly premium is to be safer. Other risks that may affect the cost of your life insurance are things like your weight. If you are at an unsafe weight, whether over or under, your premium rate jumps. So, be safer, save on life insurance, as much as 20%.

Car insurance: When you renew your car insurance each year certain factors are taken into consideration, if you have had an accident in the past year, your rate will jump by 20% or more. So, drive safer, and not get in accidents, do not have traffic violations, etc. and save a lot. In addition to avoiding accidents, you can reduce your premiums by taking classes etc. to help you learn how to avoid them. Taking a driver's safety class can get you a 5% reduction on your car insurance premium. Talk to your car insurance company about what safety measures you can take to reduce your rates. Sometimes installing anti-theft devices, alarms, etc. will drop your rates. The safer you are, the less you pay.

Health insurance: Safety when it comes to your health means being at the proper weight, not engaging in activities that jeopardize your health, such as smoking, drugs, etc. and eating a nutritious diet. If you can show your health insurance company that you are less of a risk, you can get your insurance rates to drop.

Home owner's insurance: Did you know that fire insurance for a home close to a fire station is almost 15% less typically than fire insurance for another home? The safer your home, the less it costs to insure it. If you want to reduce your rates on your home insurance, ask your agent what you can do to change the risk levels. Installing hand rails on stairs, getting rid of dogs, replacing old appliances, wiring, etc. all make your home safer, your liability less, etc. which all results in lower insurance premiums because you are lower risk.

If you want to pay less for insurance, be less of a risk. Ask your insurance company how you can do that.