If you are like most people you need to lower your monthly expenditures. An effective way to do this is with insurance. You can lower your premium with 3 simple steps. First, schedule an appointment with your local agent to review your policies. Make sure you are not paying for coverage you do not need. Second, increase your deductibles. Insurance is for the big event, not for maintenance so increase your deductibles for instant savings. Third, pay your bill in full or have it automatically withdrawn from your checking or savings account. This will save you any where from $50 – $150 per year and you will not have to worry about missing a payment.