Whether you’re an individual or a company saving premium dollars is always a good idea only sometimes we don’t look as closely or care as much when times are financially less troubling than they are today. Ive been in the Insurance business for 32 years and it goes without saying that when the price of our homes and investments are increasing in value people are less inclined to go out of their ways to look for ways to save money on their Insurance expenditures. However as soon as we hit an