The start of a new year is a time to reflect on how the past year went and how to make the new year a better one. Diet, exercise and spending more time with loved ones are some popular New Year’s resolutions. Revisiting your insurance — while not as invigorating as vowing to exercise daily — is another resolution that can be important in the new year… and could help you save money!

Here are a few New Year’s resolution for your insurance worth considering:

Shop around

Insurance can be a forgettable purchase — once you find an insurer, you’re likely to stick with them for years. But shopping around for an insurance company will at least show you that your current provider’s price is fair. If not, you can go with another insurer for better coverage, better service or to save some money.

You can compare quotes and prices online or call companies directly for price quotes and answers to your questions. Get at least three quotes, recommends the Insurance Information Institute. If you’re not sure where to start, your state insurance department may provide price comparisons of major insurers.

Some insurance companies sell through their own agents. Independent agents, like InsuraMatch, offer policies from several companies and can help provide you with multiple quotes in just one phone call. Some insurance companies don’t use agents, and sell directly only or over the phone.

Don’t shop by price alone, the III recommends. Check with friends for recommendations, and ask your state insurance department if it provides information on consumer complaints by company.

Find all the discounts you can

A common way to save is to bundle multiple policies, such as having car and home insurance through the same company. But there are many other discounts, especially for auto and home insurance. Ask your agent – they can help point you in the right direction!

Dropping collision and comprehensive coverage on older cars may be worthwhile if the car is worth less than 10 times the premium. Look up your car’s value at Kelley Blue Book to see if your car is worth fully insuring and ask your agent for advice.

You may also get discounts for being a good driver, having good credit, driving fewer miles, not having accidents or moving violations for a number of years, having multiple cars with the same insurer, higher deductibles, taking defensive driving courses, and being a student driver with good grades.

For homeowners looking for discounts, some insurers offer savings for having burglar alarms, smoke alarms, deadbolt locks, and are prepared for natural disasters. In hurricane-prone areas, having storm shutters and a reinforced roof can lead to discounts.

Increase your deductible

Having a high deductible can result in lower auto insurance premiums, but it really has an affect on home insurance.

Increasing a homeowner’s insurance deductible from the normal $500 to $1,000 to the higher amount of $5,000 or $10,000 can result in saving up to $1,000 a year on insurance. However, if you can’t afford a higher deductible, that savings won’t make sense if you need to file a claim.

Pennsylvania homeowners, for example, save 20 percent on the average annual insurance premium by raising a $500 deductible to $2,000, according to a report, making it the fifth best state in the country for such savings.

Review your policy and life changes

It’s a good idea to review your insurance policies annually for many reasons. If you made any major purchases or additions to your home, you may want to increase your policy limits. On the other hand, some items may have fallen in value in the past year, such as the new, high-definition TV you bought last year, and you may need less coverage.

If you have extra insurance for expensive items such as jewelry or valuable art that isn’t fully covered by a standard homeowner’s policy, you may want to get more an insurance rider for those items to ensure they’re protected in the event of a loss.

You also may have undergone life changes that need to be reflected in your insurance. Did you get married? Then you now have two people and two cars to insure, along with the belongings of another person to insure. Kid go off to college? These life events can affect your coverage so be sure to speak with your agent about them.

If you’re thinking of moving to another area this year — either for work or retirement — then it can be worthwhile to check insurance rates in other parts of the country to see if you can afford it.

Take an inventory

If your home is burglarized or destroyed in a fire, one way to help your insurance adjustor get the correct value of your stolen or damaged items is to have a list of what you own. It’s also a good way to make sure your limits do in fact cover all of your belongings.

Writing them down on a list is a start, but photos and receipts will be more useful to your insurance company. A video recording of your home and stuff can also be useful and may be faster and easier to create. Some things to document are your TV, computers, clothes and stereo.

If you can tackle these insurance resolutions in the new year, then you’ll be a step ahead and ready to focus on eating healthy and exercising more!

Aaron Crowe is a freelance writer who specializes in personal finance topics. Follow him on Twitter @AaronCrowe.