Really should have been a better title in 2012 but the concept is still there, the idea is just expanded on http://theinsurancebill.com/?p=202
An adjustment I made, likely starting in 2013 was to try and get as much as you reasonable can get out of the time you are using. The key, as I learned, was to be reasonable.
I’ll 100% not get crazy over a few dollars or percentage difference in price if I save time. Time is the most critical piece. But, as time really tightens up it is even more critical to choose activities where I get more out of the transaction.