What do you study? description of my family essay Once you get used to shopping around, it becomes very easy to do. I scan copies of what are called the declarations pages of my policies, where the coverage levels are summarized. I either fax them or email them to agents with competing companies and ask them to provide quotes on comparable coverage from their firms. It doesn’t take very long, and shifting coverage is easy. I’m happy to save hundreds of dollars for a few hours of work.