It takes more than just bundling your insurance products, there are many other available options to reduce your rates. EFT, Paid in full are just a couple ways to choose to pay your bill and receive a discount.  Other discount options can be good student, occupation, hybrid, alarm, new roof, good payer,  e-policy, transfer, early shopping, military, non smoker, new home, renovation, to name a few.  Be mindful of the options you have and use them.