• Car insurance-Some of the steepest discounts can be found on your car insurance policy. Put your car in a garage? You save 15% on most policies. If you have passive restraints (if your automobile is equipped with an air bag or automatic seat belts) you can save up to 25%. Anti-theft discounts are available for automobiles with various types of qualifying anti-theft devices. Your insurance company or agent will provide you with a list of the qualifying anti-theft devices and the corresponding discounts available though some companies offer up to 40%. There is also a multiple car discount that is available if an individual or married couple own two or more automobiles that are insured by the same company. Insurance companies may also offer many discounts in addition to the ones listed above. Some examples of discounts that you might be able find include: annual mileage, advanced driver training programs, Good Student discount (if your teen maintains a B Average you save 25% of the premiums) also if you have young drivers check out Student Away at School discounts. You may also receive discounts for how many years you have been with your insurance company and how many years you have been licensed.
• Homeowner's insurance-There is also significant discounts that can be found on your homeowners insurance. One of the first things you can do to save money on your homeowners insurance is to insure your home at the same place you insure your vehicles. Many insurance companies offer multiple policy discounts that will discount both policies if you insure them together. You can also save about 10-15% if you make your home more disaster resistant or up your home security. Disaster resistance can include adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can also be retrofitted to make them better able to withstand earthquakes. In addition, you may want to consider modernizing your heating, plumbing and electrical systems to reduce the risk of fire and water damage. Some insurance companies will reduce home owners insurance by 25% of your premium in addition to reimbursing you the installation costs of a security system. The key to all discounts is to check with your agent or insurance company to see which ones you qualify for
• Health insurance-Few health insurance policies offer discounts but many do offer incentives that can reduce your health care insurance costs. These can include attending classes on exercise and nutrition. They can also include participating in smoking cessation programs. Anything that promotes your well-being can earn you money that can then be used to reduce your healthcare costs. Incentive programs vary widely from company to company with most being in the $200-500 dollar range.

One of the best ways to receive a discount on your insurance (any type) is to be part of a group. Groups can be sponsored by an employer, civic organization, trade union, credit union, etc. You will want to check with agents of several different insurers to learn which groups the insurer has been approved to offer discounts to and the size of the discounts. Any member of an approved group is eligible for the insurance discount.