Now that you have shopped around a bit, the next step is going to be securing your home.  One thing that I had no idea about was that simply securing your home with things like security alarms and smoke detectors can actually really help you lower your premium on your home insurance.

A lot of insurance companies will also give you a major discount if you install things like sprinklers or even spotlights on your front and back lawn just to keep anyone out.  You always want to research the costs of this before you install anything though, just to ensure that your discount it significant. 

Finally, you always want to make sure that you inquire about any discounts that you might be eligible for.