Talk to your parents/grandparents/guardian/spouse (or yourself if you are the family budgeter).

Find out the answers to the following questions and post your findings to this discussion board forum:

What factors drive the decisions to purchase home and auto insurance? Such as--a personal relationship with the sales agent/referral from a friend/buying from who the family has always purchased from/etc.

How often does the person you are interviewing shop for lower rates on insurance? (if ever) such as--when the policy is about to renew or is it automatically renewed without pricing policies?

Has the person you are interviewing ever asked the agent to review the policy to make sure it is still sufficient coverage for what is insured?

Have they ever reviewed the policy for specific exclusions or are they confident in their ability to know what their policy covers?

This post will need to be a minimum of 500 words.