Shopping for lower insurance rates can help reduce expenses without sacrificing essential coverage. Here are some strategies to consider: 1. Work with Agency One Insurance. We have over 80 carriers and do the shopping for you. 2. Review and adjust coverages. We also ensure you are not over or under insured. 3.Consider a higher deductible. Adjusting your deductible generally reduces premium cost. 4. Look for discounts. Many insurers offer discounts for safety features, good driving records, home safety systems and loyalty discounts. Taking these steps can lead to substantial saving while maintaining the right level of protection.