California home insurance: How well have you done in your quest to reduce your rate? Did you just stop at the few recommendations you got years ago? Won't you like to learn more since that will translate to more massive savings? I've got many more proven tips here...

1. The kind of building material you use can save you a great deal in home insurance. Buy a frame home for better resistance to earthquakes or buy a brick house if you want better resistance to high winds. This means that people who live in the East will save if theirs is a frame home. On the other hand, people who reside in the West will get cheaper rates if by buying a frame home because of the earthquakes there. Expect to save at least 5% if you choose a home with the preferred material.

2. You might be surprised to hear that you might not be taking advantage of half the discounts that you could easily qualify for. Knowledge is vital to getting what you're entitled to. Sit your agent down and demand that they tell you about all discounts that your insurance provider offers and how to qualify. There are certain discounts that insurance carriers don't really advertise.

3. Because of gas and oils, your vehicle garage is a high fire risk. As a safety precaution, make sure your garage is a good distance from your residential structure and you'll likely get a better rate. Find out from your agent by what factor this will lower your premiums.

4. Ensure that the exterior of your house is fire-safe and your premium will be cheaper. Having things that are quite inflammable or that help combustion around your building will make you pay higher rates. As easy as it seems, cutting back bushes and keeping them up to 10 feet from your structures will help lower your rates. Fire-safety is a major factor that is used to calculate how much or little you your rate will be.

5. Ensuring your home's landscaping is done properly will reduce your home insurance rates. Things like potholes increase the likelihood of injuries that could result in liability claims. Within this context, you'll be saving yourself money while making yours a more beautiful home. If you are still thinking about it then you should ask your agent for suggestions that could help you save even more.