1. Set up your account to pay your premiums automatically and you'll get lower rates for that. Simply let your bank know that you want an EFT (Electronic Fund Transfer) in favor of your insurance provider. Apart from being easier, you'll receive a discount for this.

2. Low quotes, while interesting, must not be settled for without checking the insurance provider's rating. It is one thing to pay your premiums faithfully and another thing for an insurer to abide by policy terms. Spend time to verify from your state's department of insurance website. You can simply verify an an insurance company's rating there (and even if they even licensed to sell insurance in your state).

You can also obtain helpful information about an insurer from independent organizations like BBB, A.M Best Company, Phelps, Inc., Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc.

3. Ensuring your home's landscaping is done right will reduce your home insurance rates. If your landscaping is done right, there will NOT be potholes that could cause injuries to visitors. Within this context, you'll be saving yourself money while making yours a more beautiful home. If you are still thinking about it then you should discuss with your agent for suggestions that could help you get a bigger discount.

4. The level to which you strengthen your roof could make you eligible for a discount. This is truer if you reside in the East. Your agent should be able to outline things you can do if you intend to have a discount this way.

5. You can reduce your home insurance premium by asking for and comparing quotes from at least five good insurance quotes sites.