You can enjoy high quality but cheaper San Antonio free insurance quotes. The two things that that keep you from getting a cheaper rate now are the right information and a determination to make use of the recommendations you get — That’s all. Let us talk about a thing you need to get more affordable rates: Make the exterior of your house fire-safe and you will lower your home insurance rate. Having things that are very inflammable or that aid combustion around your dwelling will make you pay higher rates. As simple as it seems, cutting back bushes and keeping them up to ten feet from your structures will help lower your rates. The likelihood of fire in a home is one very strong factor that determines your home insurance rate.