 Most insurance companies have some of their discounts online, but not all of them. I've been an insurance agent for 16 years, and there's always conversations that you can have with your policyholder to go over things like annual mileage. Has someone moved out? Have you had a change in job and education level? And there are ways to reduce your policy that might not even involve a discount, just updating and correcting your policy information. So reaching out to a tenured agent really can be critical in saving money.