Boost your deductibles.

An easy way to cut what you pay for auto and home insurance is to raise your deductibles. You can trim your auto-insurance premium by 15 percent or more if you boost your deductible from $250 to $1,000. Increasing your homeowners deductible from $250 to $2,500 can cut your premium by 30 percent and discourage you from making small claims that could boost your premiums. And if you have policies with more than one insurer, you may want to put all of them under one roof. That way, you're likely to get a discount. How much you can save depends on where you live, so ask your insurer about the markdowns you qualify for.
Tribune file photo Scott Strazzante
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