 Rain Tech owner Freddie Watkins says another option is impact-resistant shingles. That could lower your insurance premiums, but let them crunch the numbers. Insurance companies, a lot of them will give you a discount on going with the Class 4 impact-resistant shingle. We always just like to really look at that policy and look at the cost difference of what that does cost you and how much savings you are going to get from your insurance to see if it makes sense.