Having insurance for your home and vehicles helps you when the worst happens - theft, a storm, fire. Insurance is the back-up plan. It’s the thing that works after a disaster. Insurance costs, as a result, are based on risk. Higher risk homes, cars, neighborhoods, and people cost more.
The best way to reduce your insurance premiums is to reduce your risk. Taking care of your home and vehicle are just the start. Because bad people exist, and although prevention measures may not be perfect, they help. Additional security for your home and vehicle reduces your risk and your insurance premiums.