I was with my old insurance company from 2000-2004. In that time I was paying $6,000 a year for car insurance.
No, I’m not kidding.
I also didn’t know better.
One day, I shopped around, and good God was I stunned that another company could cut my premium down to $2,800 a year!
In the end, though, I learned the lesson you need to learn with insurance companies: never assume you’re getting the right price. In fact, the best way to do business with them is to assume you’re not getting a good deal and shop for other insurers continuously. With the advent of the internet, that’s gotten much easier and you can use a service like NetQuote to ensure that you’re getting the best deal possible. The best part of services like NetQuote is that they don’t just look through tiny little local insurers, but they hit the big guys. I know that’s not in fashion, but the reality is the big guys can often save you tons of money over the little guys when it comes to car insurance.
Either way: learn from my mistake and don’t settle for what you have. There may not be a tremendously better deal out there, but it never hurts to look.