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Are you paying too much for car insurance?

You could be paying too much for car insurance.

Have you had your car insurance quoted recently?

Exactly WHO is the "average driver" that every single car insurance company is using as their example?!?!?

OK, first of all, I am one of those people who generally would shop around a bit for car insurance, and who's most important feature of car insurance was the rate.

So when I see on the commercial that someone is going to SAVE $853 per year on auto insurance for switching, I twitch a little. I do. I haven't PAID $853 a year in auto insurance since I was a) under 25, and b) living in Massachusetts!

Despite my bankruptcy, I had my insurance down to about $50/month, or $600 per year, and most years a brought it down a few more dollars. . .especially as my job and commutes have changed and I drive fewer and fewer annual miles.

Then, a little over a year ago, we came out to the car one morning and couldn't open the driver side door. Upon closer inspection, that would be because the driver side had been backed into. By someone with a bike rack on the back of their vehicle.

Argh.

I didn't think about it, but called my insurance and entered my claim. I brought my vehicle to the shop they told me to and I forked over my high-deductible (for lower annual rates!). My vehicle was fixed, I could once again get in from the driver side and we all went on our merry ways.

Until three months later when it was time for my policy renewal, and my policy was nearly DOUBLED!

Shopping around, however, got me nowhere, thanks to my recent claim combined with that big red "bankruptcy" that shows on my credit report.

It sent me into a bit of a number-crunching, flash-backs to being broke flurry, but after a few days I decided it was time to give up comprehensive and collision. There was no deductible high enough to get my annual rate lowered to where I wanted it.

Most importantly, should my car be in another accident, I knew I had the money set aside to at least get another car that could get me the two miles to work each day.

I shopped around with my new plan of getting only the least auto insurance legally allowed, and discovered that my current provider was still my best option.

Another year has gone by. I am now over one year without a claim, one year farther away from a bankruptcy, and I was not at all concerned about my auto insurance bill coming due.

Then the bill came. It is a 14% increase over last year.

So I spent much of the evening researching and collecting auto insurance quotes and, sadly, it is still the best deal out there.

But the reason I am really annoyed enough to write this here is I used NetQuote, and I basically was brought to a screen where there were NINE auto insurance companies listed, and every single one of them told me that if I switched to them I would save "XXX" amount. And in all nine cases, XXX was more then I currently pay!

Exactly WHO Is the person who hasn't switched their insurance in SO long they are paying this much?!?! And why can't I meet them, and take control of their finances, and pocket anything I save them??