I have studied insurance and related ideas for eight years.  During this time I generally see the same purchasing behaviors in insurance as you would in other consumer goods.  The rules in purchasing across the board are roughly the same; find a baseline of perceived value,coverage, level of service, etc. you are willing to accept then work to pay a price for this that fits within your budget.

I love to share information and help people make an informed decision.  The sooner the consumer begins to vote with their dollars on a more consistent basis the sooner the insurance industry will adjust.   That is another reason I write these suggestions, I am here to help you make an informed buying decision that is hopefully better than the previous ones you have made with your auto and home insurance.