Photo credit: Dana || They charge more for “Arrest me red” too!

This should be a relatively quick note on personal lines insurance. I'm writing this after reading the piece in this month's consumer reports on Auto Insurance. I agree with most of it. For those that are short on time, my basic advice is this: bid out your auto, home, umbrella and other personal lines property & casualty insurance policies once every three years, or after every significant event that changes your premium significantly.

Here are a few simple facts to consider: