I have never thought that insurance is a way of saving money. 
You can also try:
1) make FDs
2)avoid unnecessary shopping
3)Avoid use of credit cards
You can also try:
1) make FDs
2)avoid unnecessary shopping
3)Avoid use of credit cards
Unnecessary things that people buy is the one thing that make them save less,those things that are not needed shouldnt be bought at all it will only take space in your house and will only use for a couple of uses.