If you are like most people you don’t put a lot of thought into your auto insurance. You pay your policy, try to be a good driver, and hope for the best. When you get your renewal policy you pull out the new vehicle ID card and put them right in each cars glove boxes. Beyond that you don’t give your auto insurance must thought.
The truth is with the right agent there are quite a few things about your policy you don’t need to pay a lot of attention to. On the other hand there are a few things your agent has no way of knowing that you absolutely must no matter what pay attention to.