If you own a boat or watercraft vehicle, you know that insurace can be expensive.  Luckily, there are some simple ways you can get discounts and cut your premiums by as much as half. All you have to do is get on the phone with your insurance agent, ask the right questions, and negotiate the right deal.  Depending on the type of boat, jet ski, or other vehicle you own, you could be over paying by several hundred dollars.