Adding pipe insulation is a good step. If nothing else, the water at the shower head will be hotter thus allowing the temperature of the water heater to be reduced, which can save a significant amount.
Also, if you really want to find out what's going on with the energy efficiency of your house and your ducts get a Blower Door test done by someone that also has a Duct Blaster. If you're not familiar with these tests you will be amazed. The duct blaster is a specially calibrated fan that forces air through your duct system. This allows the tester to identify how "leaky" the ducts are, how much air is being lost to the outside, and then to correct these problems. The blower door test does much the same for your entire house. People are very pleased at how easy it is to find then stop unconditioned air from outside the house from getting into the house. Of course, this saves energy and makes the home more comfortable by stopping drafts!
One way to find an energy rater in Georgia, or any state, that does Blower Doors tests is to go to Residential Energy Services Network. Go to the bottom of the page to search your state for Energy Raters.
Hope this helps, Doug