I was so fed up with my insurance company! Premium hikes every single year even though we never filed a single claim, an indifferent agent, and a premium that was outrageously expensive to begin with.

For a few years, I was so busy raising small kids that I neglected our finances. But as soon as my kids grew up a little and I had more time on my hands, I knew it was time to start shopping around for a new insurer.

So I cleared up my morning and started making phone calls.

My first step with each insurer I was considering was to check its financial strength on the A.M. Best website. Admittedly, if you don’t purchase life insurance, this is not as important, but I still wanted to make sure the insurer I was considering was not about to collapse anytime soon. Of course, these things change so it’s important to check regularly just in case.

Next, I talked with several insurance companies’ representatives. Remember the GEICO tagline, “fifteen minutes could save you fifteen percent or more on car insurance?” Well, this isn’t exactly the case. The truth is that if you really want to save, you will need to spend at least half an hour with each representative. This is actually a good thing, as you WANT them to walk you through every possible way you can save money with them.

Here are the things you should be asking/ discussing:

1. Can I get a group discount? Some insurance companies offer group discounts. For example, when I bought a BMW, I received an offer from Liberty Mutual to enjoy…

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