In an effort to lower all of my expenses I called my insurance agent. Thanks to this one phone call I lowered my cost by nearly 40% for the exact same coverage. At first I was jumping for joy then I got mad, downright mad that I my agent was charging me a higher rate all this time. Just goes to prove only you know what is best for your money. Same holds true for stock brokers and investment advisors. Who cares more about your money, them or you? Call your insurance agent today. Get them to lower your rates. You deserve it.