I’ve written before about checking your home and auto insurance every year when they come up for renewal.  I do this religiously, and virtually every year there are adjustments.  

This year the insurance company I’d been using for many years had been taken over and I was particularly careful when reviewing the premium notices.  The projected miles driven by my wife, and the contents and liability coverages for our condo had all been increased substantially.

The people at my insurance advisor were very helpful and all I had to do was discuss the issues with them.  I can guarantee you that if you don’t question your coverage, the premiums will not be reduced on their own!