Please, please, please Admins do not leave your default index fill factor at 0. This means you are telling SQL Server to fill the page 100% full when creating indexes. This also means you are forcing it to a new page when additional inserts are done. These are called PAGE SPLITS which can take time to perform and is a resource intensive operation. Having a high fill factor will cause more index fragmentation, decrease performance and increase IO.
If you find that this is how your system is configured, all is not lost. You can correct this by changing the default value so that new indexes will be created with proper factor and rebuilding your existing indexes with another fill factor value. I like to use 80 across the board for most, of course there is always the “it depends” scenario that arises but 80 is a pretty safe bet. One of those “it depends” would be on logging table that has the correct clustering key and never gets updates in between values (make sense?), I don’t want a fill factor of 80. I’d want 0/100 to maximize page density as page splits wouldn’t occur if the clustered key is monotonically increasing.
Monica also has a couple scripts, one for changing the across-the-board default and one for changing a particular index.