The economy isn't great. I don't know if it will get better anytime soon. But what I do know, is that everyone is trying to save money and make cutbacks where they can. One thing you can't really cut back on is having insurance. Homeowner's insurance, or car insurance, or life insurance. It's all pretty important. You can look at insurance online and find one that's right for you. Comparing prices can help too, finding which one has the best price for what you need. It takes a little extra work and time but I think in the long run, it makes a big difference.