Increase your deductible. If your deductible is low and you have a way (savings or credit) to pay a higher deductible should you need to file a claim, that will help lower your premium.

 If your car insurance is with a different insurer, placing them with the same insurer will usually earn you a multi-policy discount.

 Beef up security. Install deadbolt locks and if you have a system monitored by a security company, you usually qualify for a sizable discount.

 Ramp up safety. Smoke detectors, carbon monoxide detectors and a fire alarm that automatically contacts the local fire department may reduce your premium.

 Have you quit smoking? A lack of burning cigarettes around the house reduces the risk of fire and may lead to savings.

 Did you repair your credit? Rates are often based on credit history, so if you've worked hard to raise your credit score, you may be able to lower your premium.

 Have you de-cluttered? If you've gotten rid of expensive items like collectibles, jewelry or furs that were previously noted on your policy, you're likely eligible for a reduction.