There are simple steps to take and simple mistakes to avoid costly insurance cost and to avoid a decrease in insurance claims.

- compare insurance quotes. Make sure you have at least five quotes to compare to get the best insurance that will fit your needs. Having more options increases your chances of getting a cheaper offer.

- If it’s available, get a group insurance policy if you belong to an association, or your employer provides such option. More quotes plus more potential clients will most likely result to a cheaper premium.

- Fire safe homes will have cheaper rates as it will have a lesser probability of an event that will result to an insurance claim.

(source)