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Your pet insurance policy may be cheaper if your pet lives in a safe environment. For example, if you have an indoor dog or cat, your pet is less susceptible to car accidents, attacks from other animals, easily spread diseases, or getting lost. Many pet insurance policies reward pet owners like this with better rates. If your pet lives in an enclosed yard that is "pet-proofed" as much as possible, you may receive better rates, too. Be sure to ask questions when you sign up for your policy, including what discounts the company offers. You may be surprised to learn that pampering your favorite pet may just pay off in lower premiums and a happier lifestyle.