Gary Poster, with essential assists from Galyn Norwood, Phiroon Phihakendr, Jose Quijada, Pavandeep Kalra. You'll also save by installing certain safety or protective equipment in your car and home. Because it's cheaper to service two policies from the same customer, insurers often cut premiums up to 15 percent if you link auto and homeowners policies.
Some companies apply multi-car discounts toward trailers and RVs.
Sweat the small stuff. Raise your deductible. The average driver files a collision claim once every three years, and a comprehensive claim once every 10 years. Don't automatically take the higher deductible, however, until you do the math. Completing a defensive-driving course can qualify you for a discount.