This is a case when you really do need to "hire" a professional, they're FREE don't cha know. Take the time to sit down with insurance agents (and yes I mean more than one...remember they're FREE). They can look at your policies and compare apples to apples. The ads you see on TV, especially for health care, make it sound like you can get great health care of pennies. This is typically for ONLY hospitalization and normally have very high deductibles ($10,000) in some cases. And while this can be all you need, it would protect you from losing your home for example, in the case of an emergency. But before you sit down with an agent you need to know what is important to you, what you can live without and how much you can afford to spend. Some questions to think about; do you need a prescription card, is your doctor on the plan, what about co-pays for doctor visits and are the services you normally need "covered" under the plan?
The same is true of auto insurance. Auto and home insurance is one of those things that we sign up for and keep the same company for decades and in some cases, generations. If your parents had Allstate, chances are you do to, and so will your children. I had had the same insurance company for house and cars forever! I asked on different occasions, especially after adding my teenage daughter, if we were getting the best rate possible...my agent assured me we were. And he was right, but only for the companies he was 'able to quote for'. I term I now understand. Some agents are only contracted to offer for 2 or 3 companies while others can offer from almost any.
So here is my insurance story. It seemed like every time I turned around my car insurance went up. Finally got tired of it and made some phone calls, did some online quotes and went in and sat down with an agent. I had my declaration page showing exactly what coverage I currently had. An hour later I walked out with a policy that was identical with one big exception...is was $60 cheaper...A MONTH! That's $720 a year folks...that's Christmas! It was worth the time it took...hands down. Another little tidbit, let them take it out of your account automatically (especially if you have a real live human you can deal with face to face), a lot of time this equates to another discount.
I also had them review my homeowners insurance. And to their credit, they called me a week later and were unable to even match my policy. The reason I say 'to their credit', they were honest with me. Kudos to them!