Use comparison websites such as Uswitch or Energy helpline to source the best deal for you. Don't be afraid to switch. You can save significant money by reviewing gas/electricity suppliers annually/or at contract completion, so make it a habit to ensure you get the best deal for you.
A lot of suppliers can help you save more money is you pay by direct debit.
For some excellent tips on saving money on energy look at the Energy Saving Trust's website.
If you are renting or looking to buy a property factor in the annual cost of council tax you will need to pay as it varies between boroughs use our council tax comparison to give you a guide. Eg council tax in Wandsworth is significantly cheaper than that in Hammersmith & Fulham despite being neighboring boroughs.
You can get a 25% discount on your council tax for being a sole occupant or having students in your property. You can also receive a reduction in your council tax if you have a disability or have someone under care in the home.
The idea of insurance is to protect you and save you money from the unpredictable should it occur.