According to research by Bankrate.com, 37 percent of Americans spent more on insurance over the past year, while only 7 percent spent less.

62 percent of those who spent more said spending went up because of rising premiums. The next most popular response was because they bought a new home, car, boat or recreational vehicle.

Insurance analysts say consumers shouldn't accept rising premiums without a fight. "Compare quotes from at least three other companies, investigate al possible discounts and don't be afraid to ask your current insurer for a discount," said Doug Whiteman, insurance analyst with Bankrate.com, in a news press release. "

"You may be able to get a better deal."

One of the biggest tips I've received this year, when researching stories and columns is to shop insurance policies. Analysts say it's a big way to save some cash over time.