HOW CAN I KEEP INSURANCE COSTS DOWN?

Raise the deductibles on auto, home, and health insurance, and you could save anywhere from 15 to 40% on premiums. The money you save should more than cover any out-of-pocket expenses you might incur (make sure you have adequate savings to cover any deductible payments).
Be sure that your name (not just your husband’s) is listed on auto insurance policies. Without this protection, if you at some point were no longer a resident of the household, you may not be covered.
If your car is more than 10 years old and worth less than $1,000, consider dropping any collision and comprehensive coverage and just carry liability. Your car could be worth less than the cost of the premiums you’re paying.
Consider purchasing as much of your insurance as you can from a single provider to qualify for multiple policy discounts.

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