The job of an insurance agent can be very labor intensive. Most times an agent can't find the time to review each policyholder's account. It is very likely you may be eligible to be rewritten into a better company tier, resulting in lower premiums.

Suggestion... call your agent and make an appointment to personally come in and have him or her review your policy. This way, you are assured that you have the agents undivided attention.

This is a good time to review coverages and determine if there are any changes that can be made to your policy that are to your benefit and could possibly lower premiums.   More detail...