it never hurts to give your insurance agent a call, my insurance premiums keep rising. so I called my agent and had a talk with her. I told her where I could save a few hundred bucks, by taking my business to another company. and I told her with another company, the savings would only be temporary, they to would raise the rates after the teaser rates got my business. she worked with me and going with a higher deductible, and giving up a few benefits, that wasn't benefiting me anyway. cut my 6 month premiums by 700.00