Do You Have a Non-Captive Agent?

Don't just default to what you did last year. You may be surprised that there are some savings out there. Just because you've been a customer with your provider for the last decade does not mean that you're getting the very best deal out there. A non-captive agent can go shop all of your insurances across a number of different companies. If they don't, the second best answer you can get is always no.