By Philip Reed, Senior Consumer Advice Editor and Erin Riches, Senior Content Editor , Edmunds.com
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The word shopping brings a feeling of immediate excitement to most people. But if you combine the word shopping with car insurance — as in "shopping for car insurance" — it produces the opposite effect. The thought of shopping for auto insurance makes the eyes glaze over and the heart rate drop to the pace of a slumbering couch potato.
Couch potato? Indeed. Doug Heller, a consumer advocate at The Foundation for Taxpayer & Consumer Rights (a California-based consumer advocacy group) and a recognized insurance issues specialist, told us that too often "people purchase insurance by calling the number on the screen."
But wait, this is important stuff! You want to be adequately covered if you get in an accident. And you certainly don't want to pay more for car insurance than you should. Maybe waiting for a solution to be beamed into your living room is not the best idea.
How can you stay awake while navigating through this murky subject? Just remember: There is money to be saved. How much? Hundreds, even thousands, per year. For example, one of the authors typed all of his insurance information into a comparative insurance service. The quotes (for very basic coverage on two old cars) ranged from $1,006 to $1,807 — a difference of $801 a year. If you're currently dumping thousands into your insurance company's coffers because of a couple of tickets, an accident or a questionable credit rating, shopping your policy against others may be well worth the effort
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