Homeowners in fire-prone areas of California can follow several strategies to save on insurance premiums. Firstly, implementing home hardening techniques such as using fire-resistant materials, creating defensible spaces around their homes, installing ember-resistant vents, and maintaining landscaping can significantly reduce wildfire risks. Additionally, participating in community fire prevention efforts and connecting with local fire safe councils can also lead to potential discounts from insurance companies. Finally, staying informed about state and county programs that offer grants or assistance for fire mitigation projects can help homeowners financially manage necessary upgrades.