1. Using the same insurer for more than one policy will get you discounts. This makes you eligible for a multi-policy discount. However, you might save more by obtaining your policies from different insurance companies.

2. Motion-sensitive lighting lowers your home's risk of burglary and, as a result, makes it easier for you to get cheaper home insurance rates. Burglars will avoid any place where their activities will be easily noticed. And motion-sensitive lighting does just that. Your rate will be lower once you've reduced your home's risk of burglary with such lighting.

3. Install shatter-proof windows and you will enjoy lower rates. If you stay in areas with high winds and hail storms have your windows replaced with these and you'll get considerable discounts. And when you do, remember to inform your agent. You can as well meet with your agent first before making the upgrade as he or she would be in a better position to show you how to save the most.

4. You're entitled to a loyalty discount if you've being with an insurance provider for up to three years. Most carriers will give discounts once you keep your policy with them for three years and above. But notwithstanding the fact that you will qualify for a loyalty discount if you continue with one insurer for three years and more, don't make this decision just for that.

If it is about paying less, you will almost always be able to pay lower than you are paying at any time. Do extensive shopping and you'll be in for a pleasant surprise. Look for insurance carriers that you've never received quotes from and get and compare quotes from them.

5. If you strengthen your roof you will receive cheaper home insurance rates. Take special note of this if you live in the East where high winds are more common. Your agent should be able to state steps that you should take if you want a discount this way. One easy way is to fix heavier shingles.

Finally, don't forget this for any reason...

As you take other steps to bring down your home insurance costs, here's what to do to get lower rates today. Visit good quotes sites and get quotes. Visit a minimum of five of such sites for the best results. It's free, quick and easy. Please make certain you give your correct details as you complete the questionnaires presented. The last step is to simply pick the insurance company that gives you the best price/value from the quotes return.