Safety conscious. Some insurance QuotesChimp determine rates by how willing you are to take steps to reduce your risk. This helps both of you, since reduced risk leads to fewer claims and fewer claims means that your life has been less "eventful." For example, companies offering homeowner's insurance often reward non-smokers with a small savings in the premium since statistics prove that nonsmokers have less likelihood of suffering a fire than smokers do. Fewer claims should also mean lower premiums.