You can start your shopping around casually enough, simply by opening those car insurance envelopes you receive in the mail instead of tossing them in the trash can. If a car insurance company contacts you and claims to be able to save you money, give them a chance to prove it by filling out the application and sending it in. If they come back with a higher rate than what you are paying now, you wasted five minutes of your life. But if they come back with a lower rate, you can potentially save hundreds of dollars.
You can go even further by taking a couple minutes to shop for car insurance each time you are online. There are a number of car insurance comparison websites on the Internet, and you can use those sites to compare coverage levels in a matter of minutes. You can simply enter all the pertinent information, which you already have on hand from your casual insurance shopping. Once you have entered all of the relevant information into the website, you can just sit back and wait for those quotes to come in.
Once you have all those quotes in hand, you can easily compare them to what you are paying now to see how much you can save on the car insurance you need. This type of casual shopping around takes virtually no time at all, and if you do find a lower rate the payoff can be very big. For a few minutes a day, you can save a lot of money on the car insurance you need.
You can go even further and review your insurance coverage with your own company each time the policy is up for renewal. There could be discounts you are entitled to but not receiving, and simply applying for those discounts could save you a lot of money. You might also be able to save money just by changing the way you pay, since some companies now offer discount for customers who have their car insurance bills paid from their bank accounts or charged to their credit cards.
Taking just a few minutes once in awhile can potentially save you hundreds of dollars on your car insurance. That is certainly a better return on your time than you could get anywhere else.