Combine your auto and home policies and save

Many people still maintain insurance with separate companies for their auto and home. Negotiating each of them separately may seem like a good deal, but the insurance companies offer significant discounts when you combine more than policy with them.

A 10% discount is fairly common, and makes it fairly unlikely that you'll be able to get a better price negotiating them separately.

As an added bonus, your billing will get simplified, and your insurance company can usually align the policy expiration dates as well.