We all want to get the most value possible from our insurance. We to try to make sure that we get the right insurance cover for our needs while keeping our monthly premiums as affordable as possible.

We need to find that sweet spot between paying too much and being over-insured, and not covering ourselves adequately. One approach to making your premiums as cost-effective as possible is to evaluate your current circumstances in more detail to see if you can make changes to your insurance schedule that will save you money on premiums without compromising on your insurance cover.

Here are some suggestions: