re: How can folks afford to live their lives today?

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shop all insurance every year. Insurance companies use algorithms to determine who isn’t like to shop every year and then raise those people’s rates the most. Use an independent brokerage like Goosehead or a good local broker

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Seems like a good chance to ask a dumb question, what is the expectation for an independent broker? Should they be doing this proactively and telling me they have better rates? Do I initiate it? How often? We are coming up on 6 years with our broker, and I don’t think I’ve ever seen them present different / better / cheaper options.