It's true: The magic number is still 25. But that doesn't mean that you'll automatically get the best possible rate available on your 25th birthday. By doing your research online and plugging in the numbers, you can do a lot more good for your own safety -- and pocketbook -- than you can by waiting around for better rates to kick in. And even if you fall into that lucky majority for whom the magic number holds, the responsibility's still on you to make sure you're getting all the discounts and best prices available to you. After all, it's not in the company's interest to do that work on your behalf.
Being proactive and realistic with your insurance selections means making sure you have the best plans for yourself and your family. Don't wait for the insurance company to just hand you a discount (especially when you might possibly find better rates for yourself elsewhere), and don't wait to investigate the changes you could make to your particular plans that could save you money. Raising your deductibles, bundling your insurance services with the same carrier, driving safely and make your kids pay for their own insurance are all possibilities you should explore. In the short and long term, that'll save you more money and give you the peace of mind that insurance is intended to give you, without having to depend on anybody else.