Even though you might not know, the following things will help you get lower rates...
1.
Your association might arrange discounts with an insurance company that you could take advantage of.
Check if such has been arranged in any association you're part of.
You might have discounts waiting for you to take.
However, certain insurers who do not give any form of discount to your group could still end up being much cheaper for you.
This is one of the major reasons I ask people to take some time out to obtain many quotes.
You discover the overall best price/value that way.
2.
A number of insurers will give you lower rates if you're a retired person.
This discount is based on the reasoning that retirees have more time to look after their home and are also in a better position to spot fires more easily.
3.
Staying with an insurance company for above three years attracts concessions.
The longer the time you stay loyal an insurer, the higher the concession.
Even though you'll surely be given loyalty discounts for staying with an insurer for any reasonable time, you might make more in savings by going over to anothercompany.
It's quite easy to find out where you'll have lower premiums with quotes sites.
If you obtain and compare quotes from various insurance companies you will find out what you'll gain or lose by switching.
You could save some hundreds of dollars by just receiving and comparing quotes from about three insurance quotes sites.
And, it will take only about 15 minutes on the whole.