Been looking at my monthly expenses lately and realized my insurance bill is kinda steep. I mean, Texas rates aren't exactly known for being gentle on the wallet, right? Anyway, got me thinking about how everyone else deals with this stuff. Do you guys usually shop around every year or stick with one company for loyalty discounts? Or maybe bundle home and auto? I heard some folks even tweak their deductibles to save a bit, but I'm not sure if that's worth the risk.
Quick poll just outta curiosity:
- Stick with one insurer for loyalty perks?
- Shop around every renewal?
- Bundle home/auto policies?
- Adjust deductibles to lower premiums?
- Something else entirely (share below)?
I've mostly stuck with the same company out of laziness (yeah, guilty), but I'm starting to wonder if I'm missing out on some easy savings. Curious what everyone else's strategy is...