When it comes to auto insurance there seems to be two types of people. The first group of people are the ones who actively shop their auto insurance looking for savings. The second group of people are the ones who buy it and forget about it. In regards to the second set of people they usually they will not shop unless there is a trigger that happens to make them think about it, like filing a claim, raising insurance rates or water cooler talk about how much everybody is paying. One thing to stress is that it is very important to shop for the lowest rates for your auto insurance Phoenix but in moderation. There is such a thing as over shopping and moving insurance companies too often. The first group of people are proactive in trying to save money which is great but an important thing to remember is shopping once a year is probably sufficient. When you start to make it a habit to shop every couple of months or every policy period you could start to lose potential discounts from your current insurance company. A lot of insurance companies will give discounts for clients who are loyal and stay with them or if you are potentially moving to them they may give you discounts based on your tenure with your previous insurance company. Remember to ask your agent what kind of discounts are available to you and weigh those versus potential savings versus moving to a new company. The second group of people could save money just by making it a habit to spend a little time and shop the competition once a year to see if they are leaving any money on the table with their auto insurance Phoenix. If you stay at the same company for let’s say five years and you are paying $100 more every 6 months versus what another company would have charged you, how much is that? $1,000 you overpaid over the course of five years….it adds up. The takeaway here is that when shopping for auto insurance Phoenix you need balance, don’t over shop but make sure you do shop. Make it a point once a year to shop the competition and see if there is potential savings you may be leaving on the table.