Insurance companies now track how you pay your insurance premiums, how often you switch your policy from one company to another, and how often you cancel your insurance mid-term. They assign an insurance score to this behavior, like a credit score. The higher the score, the more desirable you are to them, and they will offer you better rates; the lower the score, the higher the rate.

If I advise you to purchase adequate coverage limits at a specific price, there will always be an agent or company that will come behind and promise to insure you for less. Question the coverage. Request a comparison of coverages and premiums per limit. I’ve had customers switch for $5 only to find out the new agent sold them half the insurance coverage. Come on back.