So we have shopped the auto and homeowners as well as umbrella policy and the total new quote comes in with a significant savings across every insurance type for like to like coverage.
In total we will save nearly $1.5k per year which drops the bill from 5.5k to approx 4 k per year.
It pays to shop insurance with an independent agent every few years. After I did this , I coincidentally saw Dave Ramsey suggesting the same as a #1 money saving tip. http://www.daveramsey.com/blog/indep...ney-saving-tip
Wow it sure saves me some dough !!
The biggest swing factors were for some 2 wheeled toys that I own. Much better rates. The teen driver was a little more expensive but what I save overall on auto, umbrella and homeowners makes it worthwhile to switch ...
The service level of my prior insurance really dropped the past couple years and this savings pushed me over the top. For years the people insurance could NOT be beat .... but not any more ...
Pegboard and shelving went up in the garage today too. A decent father-sons project.