Keeping car insurance costs low is something every policy holder should try to accomplish. Everybody is entitled to compare car insurance prices when renewal time comes due. But it's also wise to query your current insurer about how it regards your business. It might not amount to much in terms of lowering premium costs, or it could produce a welcome reduction in those costs.
There are many ways for keeping car insurance costs low. A good driving record, fine credit ratings, very few or no claims, these are just a few of the things insurance companies look at hard before deciding on what your policy will cost. But there's also a longevity factor that is less obvious---the length of time you have been dealing with the same insurance company, and if the insured/insurer relationship has operated on an even keel.
Insurance companies are like any other firms; they like doing business with customers who need very little care and feeding. Of course, the fact that they've issued you a policy means they're obligated to be at your side should an accident claim be filed. The beauty of maintaining a solid history with your insurance company is that after a few years of continuous business relations, the safe-driving insured person can probably expect to see premiums go lower. And if that doesn't happen automatically, don't be bashful about asking why. If a good answer isn't forthcoming, then get online and start finding out what a dependable client can expect to pay for car insurance.
One reason insurance companies drop car insurance prices for long-time clients is because they have an in with that customer. They understand that a satisfied customer is among those who will bundle their insurance needs with one insurance company. Health insurance, homeowner's policies, car and motorcycle insurance are among the items insurance companies love to issue to steady clients. The cumulative lower prices obtained for bundling all your insurance needs can be substantial, and wouldn't be near what paying for individual policies might offer, no matter how long you've done business with a company.
There's always the possibility that no matter how long you've been with a particular insurer you won't get a favorable response to why your car insurance premiums haven't been lowered to an acceptable level. In that event, it's time to compare car insurance prices. Whatever a new company might want to know about you as a potential client is available just by viewing your driving record. A new insurance company will treat your steady client history just as if you had been their customer. Expect an A-one treatment.