I love saving money. I get tremendous satisfaction when I find a coupon, spot a promotion or discover a hidden discount that brings my bill down. I want you to have that feeling too. Check out my article for AAA Living on five ways to cut your home insurance costs (below). The average homeowners insurance premium rose by 3.3 percent in 2014—and again by 3.6 percent in 2015, according to a January 2018 study by the National Association of Insurance Commissioners. With insurance steadily increasing, you have to make sure you’re taking advantage of all your discounts. Age, security features, renovations—all these things can actually help lower your home insurance costs. Here, five tips to help you start saving money.