If you are looking to lower your monthly payments, try and put all of your insurance payments into one payment. Many companies will offer you a lower rate and a higher discount if you buy your home owner's insurance, car insurance, life insurance and any other insurance through there company. They can then offer you one quote and you can pay one payment each month. You can easily get free insurance quotes all over the net. It will be a lot easier for you to manage since you are receiving all of these services from one company instead of multiple companies. Place like All State, Stat Farm etc... Offer many options to customers.