They say "15 minutes could save you 15% on your car insurance"
What they should say is save you 15% on your bill.
I can give you 9 eggs instead of a dozen and tell you I saved you 15% but did I really?
The best kind of insurance is the kind that has been explained to you correctly. Too often in this industry a client is never fully explained how their policy will perform until there is a claim. Then it seems that agents wind up explaining why the policy doesn't cover what has occurred. It is a much easier conversation to have today when you have all of your stuff and your family is safe.
Price is obviously a contributing factor in any purchasing decision but you shouldn't let that dominate the conversation with your agent. If an agent comes up with a significantly lower price than you are already paying you should ask "Why?" Price is generally reflective of the cost associated with the risk, If a agent makes an adjustment and it markedly effects your rate, You most likely removed a risk that the insurer feared they would have to pay out on. That means it is a coverage that occurs frequently and you do not have the same coverage as is normally recommended.
Shopping for price is fine and understandable but you need someone to walk you through the coverage, I think every 3 yrs is reasonable. Insurers are always getting smarter and when they get smarter they write new policies that adjust to suit their interest. You aren't going to outsmart them by spending 30 minutes on the internet adjusting deductibles and coverage on a website. You need someone who is there to help guide you through the process. I don't think you want to be an insurance agent but it makes sense to listen to one once in a while as they are licensed professionals and they do deal with this everyday.
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I'm busy working on my blog posts. Watch this space!