It’s that time of year when I need to look into car insuance costs. Like lots of people now I do the usual cost dance with the insurance companies. This dance consists of them charging more for the second year of insurance but quite a bit. My step is then to use a comparison website for a cheaper price, followed by a phone call and negotiation to a lower price (or as sometimes happens a goodbye and a policy with someone else). The insurance companies expect this and I believe that they provide a higher quote expecting it to come down. I had mine reduced to that of a competitor without any haggling at all, which does make me wonder exactly how low they would have been willing to go. Still, for a quick phone call I saved enough to be happy with the result.