Not at all.
You just have to be proactive. Constantly look around for new deals or discounts, or even reach out to an insurance brokerage company to help assist you with your needs. Insurance rates are constantly fluctuating, that even if you feel like you are getting the best deal, you’re probably not…
When consulting with a rep, be sure to find out exactly how much you are paying in the following two areas:
Premiums: This is the price you pay for your plan.
Deductibles: This is how much you will be paying out of pocket before the insurer pays the rest.
Not many people know this, but you can lower your premiums by opting for higher deductibles. Be sure to shop around every two to three years to make sure you aren’t paying more than you should!