One way to reduce insurance premium is:

Increase the deductble !

That make sense. Say if 10 years ago, standard deduction is $500. Now 10 years pass. Everything went up due to inflation. 10 years ago $500 money became $1,000 or $2,000, right?

If you still want to keep $500 deducatble, that's fine. But your insurance premium has to go up to compensate the inflation factor, right?

Or in another word, your today's $500 deductable is equivalent to 10 years' ago $200 deductable or less.

Do you agree?