I am seeking to interview insurance industry experts, insurance agents (especially those who work with military families), personal-finance experts, and other professionals for a story on when military families should shop for new auto, renters, or homeowners insurance and how much they could save by doing so. Please provide written answers to the following questions: 1. How much can you typically save by shopping around for auto, homeowners, and renters insurance? 2. Why do carriers change pricing frequently, and why is loyalty rarely rewarded? 3. How often should you shop for these three types of insurance, and why? 4. Which life events should trigger shopping for new insurance, including: a. Permanent change of station (PCS) moves – why this should prompt comparison shopping b. Moving into or out of military housing – why c. Buying or selling a home – why d. Buying or selling a vehicle – why e. Adding or removing drivers – why f. Deployment or vehicle storage – why g. Major life or financial changes – why 5. Why do insurance rates change over time? 6. Why switching insurance companies can make sense 7. When it may be better to stay with your current carrier 8. How to shop for auto, renters, and homeowners insurance correctly – recommended steps 9. Common mistakes to avoid when shopping for these types of insurance 10. Special considerations military families should keep in mind (PCS frequency, deployments, multistate rules) 11. Provide your full name, title, company, and city/state location.