Insurance companies offer many types of discounts but not the same discount or same amount in all states. Example of this is discounts for retired people. Since they stay at home more than working people, they may spot fires sooner and be less likely burglarized. They may have more time to maintain their homes. If you’re retired and at least 55 years old, you are eligible for a discount of a maximum of 10% at some companies. Some employers and companies administer group insurance programs that may offer a deal that you would find better compared to other insurance programs.