I keep seeing that advertisement; call the voice and 15 minutes may save you $500 or something like that. Is it a good move, maybe and maybe not so much. Sometimes it' s because you went from 300,000/100,000 limits down to the state minimum, 15,000/30,000. Is that even one day in the hospital?
What about your under-insured and uninsured motorist coverage does it match your liability limit or did you save a few bucks. 22.9% of the people in Mississippi are uninsured and 14.7% in California. That number represents 3.6 million California drivers. Are you planning on that other guy to pay for your medical and disability costs.
Have a trusted adviser not just a salesman voice in your corner. Working with people you can trust will always serve you well in the long run.