10. Talk, Shop, and Switch?
Get off the computer and call your insurance agent on the phone. Agents are people too, with vehicles, homes and other property that needs insuring, and he or she may be willing to offer suggestions to cutting your premiums you hadn’t considered, such as altering your coverage or bundling policies as mentioned above.
Many insurance providers offer an incentive for switching from a competitor, usually by way of a one-time discount. While you’ve your agent got on the phone, let him or her know that you’re considering getting quotes from competing agents. Companies will often offer incentives for you to keep your business right where it is. Still, it can’t hurt to shop around occasionally. If you are switching insurance companies anyway and are not offered a discount by your new insurer, ask why not. A little chat goes a long way.