how to reduce the cost of insurance

Not sure if any such mod exists, but BLEEDINGEDGE does not support mods loading and no support is provided for BLEEDINGEDGE builds.

You may consider using 1.5 or 1.6 AKI and check mods like BREAD AND BUTTER for implementation of "Fix for Insurance-> More online like price" maybe that will give idea how to modify configs or create your own mod with insurance prices you want