Whats the best way to get the best insurance rates for car and home? I have a 25,000 truck from 2010 that I’m paying 1500 a year for and a house which I’m paying 1400 a year for. I live in Colorado. I bought my first house this year and I’m thinking that I’m paying way to much for my house and truck? I’m thinking of going to an insurance agent although i’m not sure how to source a good one. Another big problem is I never have access to my service so I have a really hard time comparing policies. Anyone have any insight as to how I can get better control of this situation?