The reason you have to shop every year is that home and auto insurers change their prices based on their claims experience. The insurer who was the best bet two years ago may not be such a good value now. Spend half an hour determining whether you can get a better deal, and you might save yourself hundreds of dollars. Having the same carrier for home and auto insurance may result in a package discount of up to 15 percent. If your annual auto insurance premium is several thousand dollars, this could really pay off. Many companies also offer a “future effective discount.” If you pay today for your policy to start next month, you may save even more money.