Security First Insurance Blog     — where your security is our first priority.

There are certain risk factors that will lead to a higher premium for your insurance policy. Most of these you can’t change, like the state you live in, or how many accidents you’ve been in.

There are some, however, that you CAN change, and these could vary from driving fewer miles per year than the average driver to quitting smoking, according to CNN Money.

But you can’t get any discounts if you don’t ask. Be confident and nonchalant, ask for that senior citizen discount! See if your credit score makes a difference in your annual premium for your flood policy. And perhaps the most useful strategy? Combine coverage. Insurers often cut costs up to 15% to customers that have more than one policy.