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Using a local agent, or calling the prospective insurance company directly, could also result in getting additional credits applied to the account, to lower the premiums. Some of the lesser known credits, can include aftermarket anti theft discounts; home ownership discounts; various driving school discounts (they aren't just for teens, in some states!), and the credit for having homeowners or renters insurance with the same company. Yes, purchasing a second contract, such as homeowners insurance, could save $400 or more in discounts on a high risk auto policy.