It is interesting to note that in 2009, a lot of drivers are finding that their car insurance rates are going up while their gas prices have trended down in the past few years. What this means is that the insurance companies are raising rates in places that might not be applicable to most drivers. You may not feel it overall since you are spending less on gasoline. Make sure to frequently get car insurance quotes and compare different coverage options to see if you might be throwing away money. It will not feel good when gas prices start inching up!