8. Get an insurance checkup
I admit that gathering up all of your insurance documentation may not be much fun, but it can be a very profitable time investment. I had been with State Farm for a couple of decades, and saw my rates go up without any claims. Until finally, several years ago, I met with an independent agent. It was like a Geico commercial - though it took more than 15 minutes, it did save me hundreds of dollars a year. For me, it was Auto Owners insurance.
Years later, my rates haven't gone up much. I'll admit, however, I still haven't had a claim so I can't be sure I've made the right move. AutoOwners has one of the highest customer satisfaction rankings on J.D. Powers. You need to make sure any insurance company you have is ranked high in both customer satisfaction and financial stability.
Payoff: Cut $600 annually from my property and casualty insurance.