INSURANCE AGENTS
Is your insurance agent there for you when needed? Do you have the best insurance that you can afford that gives you the most for your buck? Sometimes we just need to shop around for auto insurance quotes just like we would shop around if we were going to trade cars. Often what you have is really not what you need and may not supply nearly all the coverage in dollar amount that you do need.
Also, when checking quotes, make sure that your agent is concerned about what you need or ask, just not the commission involved. I have emailed my agent twice about the same issue within a short period of time and have not heard from her yet. This definitely gives me reason for concern.