How to save money on insurance:

1. Ask about discounts. Was your home built to high building codes? Does your house have safety improvements? You may qualify for discounts that you're not even aware of.2. Mix and match. When it comes to health insurance, it may be smarter to have an individual plan for a child than to include him or her in a family plan. It depends on whether someone needs more care than others.3. Try term. Term insurance is one of the cheapest forms of life insurance. Whatever you save with a term policy as opposed to a permanent policy, you should invest.4. Research. Compare car insurance costs for different vehicles, then choose according to your findings. Buying the car, then the policy, can be expensive.5. Read every policy. Make sure you know what's covered and what isn't, and pay attention to any updates you get in the mail.6. Don't duplicate. Knowing the benefits of each policy keeps you from paying for unnecessary coverage, like towing coverage on your car when you already have AAA.7. Consolidate. Stick to one provider when it comes to insurance. Some offer discounts if you have multiple policies with them, and it keeps you more organized.8. Set a smart deductible. Ask yourself how much you can pay if something goes wrong, then settle on an amount just below "too much."9. Shop around. Don't leave it up to your agent to do all the planning for you. Research the policies that pertain most to your needs, which you know more than anyone else does.10. Don't rely on it. Taking care of your car, your home and yourself provides less risk and cheaper insurance.