I just had an independent agent go over my policies with a fine tooth comb, and the auto insurance is what really made a big difference in my annual cost. Be sure to examine ALL your insurance. It was a real eye opener. BTW, this was also a lesson in customer service. My former agent was invisible until I informed him of my decision to change carriers, THEN he got busy. Too late. As much time as we spend discussing customer service on this site, I thought it was an interesting case study.