This Sunday I bought a paper just for the inserts. I got my paper home and the inserts were not there.
So my fiance called and the paper invited us to trade our paper in for one with the inserts. We did and found that some papers (ours included) don't put the inserts into the papers in the paper machines because they can't target the coupons, as we live in a college town and during football season they can't guarantee targeted marketing.
We found out on Mondays you can buy 2 papers and get the inserts from both and a bonus insert.
I'm not sure if this is an option for everyone, but thought I'd throw out the idea of just calling and seeing how it "works" in your area. :D