Simple and easy way to save money on insurance—check for multi-policy discounts! If you have your car insurance with one carrier and your home or renter’s insurance with another, look to see if either will offer discounts for putting all of your policies under one umbrella. I know for a fact that Pemco does! I get a discount on having my car and home owners insurance with the same company.  A quick phone call or two could save you a bit of money every year!