Don't be afraid of change

• How many years you have been with the same car insurance company?
• Are you aware of the premium charged by the other companies for the same policy and same covers?
• Have you ever changed your car insurance company in the past?

If you have owned a car for 3 years or more and if your answer to all the above questions is "No', then you are a person who is afraid of change and you are someone who is content with status quo. I might sound highly judgmental but auto insurance companies are looking just looking for such people because if they manage to lock on to you, they have your lifelong deal irrespective of the fact that you could be making loss by paying more than the market rate for you car insurance.

Some of us are just lazy to shop around to find out the best quote and change our insurance company and I used to be one of those. I did not know that I was losing a lot of money every year on my car insurance until the topic about exorbitant car insurance premium came up while talking to my friend. I was surprised, rather shocked to hear that he was paying just 75% of what I was paying as my car premium for the same policy variables and same covers. I felt cheated and I was furious, but the mistake was mine because I did not look around to see the latest car insurance rates or compare what other insurance companies quoted. I was happy with the loyalty bonus and no claim bonus that I received from my auto insurance company and in spite of all the possible reductions I was paying 25% more.

I had to decide that day; I either choose to shed my laziness or continue to bear the loss. I was certainly not ready to lose my hard earned money and out went my laziness. I started looking around for the best quotes possible and I was surprised to see how much insurance quotes varied from company to company. Some of them were ready to give heavy discounts if you demand for it and showed them what you got from their competitor.

I was no more dependent on my insurance agents; with the help of the internet and the worldwide web I was able to get quotes from all top insurance companies and I did not have to hop from one website to the other for this. There are number of good auto insurance quotes comparison sites that produced quotes within minutes and you can get your quote any time of the day or night. One of the reliable sites that I found useful was www.insurancebureau.com, this is not an insurance company, and it does not have any insurance policies of its own. It is just an online tool that makes an online query based on the information you provide and pulls three most competitive quotes that match your criteria. You don't have to pay anything for this service and all the contact information that you provide are safeguarded by their privacy policy. One of their local agents will promptly contact you to discuss the most competitive quotes and to help you further. You are under no obligation to purchase your car insurance policy through them.