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
One thing that works for me to not spend so much money, is simply not putting much money into your wallet. When i've got a big amount of cash money in my wallet, I use to buy stuff that, in the end, I do not really need. When I got less money in the same wallet, I do not buy these things.