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Finding the best rates on any type of insurance comes down to ensuring you have the right coverage and comparing quotes on a regular basis. However, there are still other ways to get discounts on insurance coverage that shouldn't be forgotten about.For most types of insurance, ensuring that you maintain a good credit score helps you get more affordable quotes from companies. If your score is lower than it should be, you should take steps to improve it and then notify your agent to see if you now qualify for a lower rate.Maintaining your body, home and vehicle are similar in that when you take care of your possessions, you're less likely to file an insurance claim and therefore can qualify for cheaper quotes. While the specific actions vary, having regular checkups, not overdoing it and taking care of yourself, residence and car is important when considering your insurance policy.Each type of insurance may have different ways of getting the cheapest rates. Below is a list of ways to get discounts for each type of insurance policy.Cheap Car Insurance
  1. Shop Around
  2. Increasing Your Deductibles
  3. Don't Buy Coverage You Don't Need
  4. Reduce Coverage for Older Vehicles
  5. Purchase a Safer or Lower Profile Vehicle
  6. Get the Safety Package
  7. Maintain a Good Credit Score
  8. Be a Safe Driver
  9. Take a Defensive Driving Course
  10. Take Advantage of Low Mileage Discounts
  11. Install a Car Alarm or Other Anti Theft Device
  12. Combine Policies
  13. Ask About Group Discounts
  14. Avoid Any Lapses in Coverage
  15. Be Mindful of Installment Payment Fees
  16. Educational Discounts
  17. Professional Discounts
  18. Ask for Other Discounts
Cheap Homeowners Insurance
  1. Compare Insurance Quotes from Multiple Companies
  2. Review Your Policy
  3. Ensure You Have the Right Amount of Coverage
  4. Increase Your Deductibles.
  5. Make Your Home Disaster Ready
  6. Maintain a Good Credit Score
  7. Increase Your Home's Security
  8. Quit Smoking
  9. Multi-Policy Discounts
  10. Look for Other Discounts
  11. Be a Loyal Customer
  12. Ditch the Government Sponsored Plan
  13. Consider Homeowners Insurance When Buying a New Home
Cheap Renters Insurance
  1. Make a Home Inventory
  2. Consider Factors Specific for Renters
  3. Increase Your Deductible
  4. Do You Smoke? Then Quit.
  5. Shop Online
  6. Review Rates Every Year
  7. Ask Your Agent About Loyalty Discounts
  8. Be More Loyal by Buying Car Insurance from the Same Company
  9. Make Improvements to Your Home
Cheap Life Insurance
  1. Buying Sooner is Better
  2. Personal Habits and Diet are Important
  3. Your Occupation Can Affect Rates
  4. Marital Status Can Affect Rates Too
  5. Take a Look at Your CLUE Report
  6. Maintain a Good Credit Score
  7. Think About Potentially Risky Activities
  8. Ask About Multiple Policy Discounts
  9. Compare Quotes from Multiple Companies
Cheap Health Insurance
  1. Fitness and Diet Matter
  2. Ask About Multiple Policy Discounts
  3. Maintain Good Credit and Check Your CLUE Reports
  4. Utilize Higher Deductibles for Lower Premiums
  5. Shop Around for Best Rates
About the Author: is an avid writer and content specialist for US Insurance Agents. John authors articles and other content for the company's insurance websites. Google+