Reshop Your Insurance.

If you’re buying a home, say, or adding a teen driver, it pays to compare rates at sites such as Insurance.com and Esurance.com.

But even if nothing has changed, reshopping every year or two will remind you what you’re paying for. “Auto insurance is the one thing people spend $1,000 a year on and don’t know much about,” says Kristin Brewe, of Esurance.com.