We've all seen the Geico insurance commercials that brag "one call can save you 15% or more." And if you haven't called around to see if you can save money on your insurance policies (without giving up benefits), you certainly should: one call might save you hundreds of dollars. To make it easiest, start by calling your current provider and see if they can offer a better deal that you already receive.
But don't limit your calls to your insurance company -- call your phone company, cable provider and anyone else to whom you make monthly payments to see if they have a program that can save you money. Maybe you are paying for services (like call waiting on your phone or premium cable service) that you don't really need. Or maybe they have a different plan than you have currently use that is more appropriate for you (for example, perhaps your cellphone contract has ended and there is a better unlimited texting plan).
And even if you are already getting the lowest price possible - you've lost nothing but a few minutes of time.