Short answer: by buying now. No matter how old you are, you will never be younger than you are today. Age can be a significant factor in determining premiums. Many multi-line insurers offer special rates on either the life policy or the home or auto policy when you bundle your policies with one company, so ask if the company offers any incentives. Paying premiums annually can also save money on the fees often associated with monthly installments. Lastly, on certain products, going paperless on your payment modes may help you save, if you chose to pay with a bank check plan.