Most insurance companies will tell you that they have particular payment schemes and that their fees are fixed, however they can promptly adjust depending on particular discounts and promos available, so even if you are not sure if they have these available, ask them upfront for a special rate.

One of the few common rates that insurance companies would have is a discounted rate when you purchase several insurance plans at one go, so take the opportunity to inquire if they have several insurance plans packaged together and for sure they will give you a reasonably priced payment scheme.