We raised all our insurance deductible to the highest level possible, if you house or vehicles are paid for then you can set the deductible to a very high level. You'll be surprised at the lower premium cost. The lower rates saved enough to cover the deductibles in no time and it's in the bank instead of being sent to the insurance company in a high payment. Once the deductibles have been set aside, then all we have are very low premiums to pay.