While consumers cannot control inflation, the frequency and severity of weather events, or some other factors that influence their insurance premiums, they can control things that may positively impact the personal component of their premiums, such as… 

• • Invest in upgraded materials for a home such as an impact resistant roof, hurricane shutters, storm doors, etc. 
  • Invest in loss mitigation systems such as a security system, leak detection devices, or fire prevention devises 
  • Maintain an insured property by performing necessary repairs, trimming trees, etc.  
  • Ask an insurance company about how a new car choice will affect insurance rates 
  • Take a driver’s safety course 
  • Increase the deductible amount of a policy 
  • Ask about available discounts 

 Consumers can also shop around. Rating plans and the list of characteristics considered in rating varies among companies. The premium a consumer pays for a policy with one company may be greater or less than what they would pay with another. Some people find it useful to have an independent insurance agent assist them with their search as they shop.