Third tip: at least once per year one should have a look at all running insurance policies and visit insurance companies to compare insurance offers. Just ask for insurance quotes I'm sure they will gladly oblige. Keep in mind that there could be a certain delay time before you can leave your current insurer, so read all the small print before making hasty decisions. The new insurance company will gladly assist you, I'm sure. Make a note of all the dates at which you can switch insurer on your list of yearly costs.
It certainly is a good idea to ask for car insurance quotes and compare all the quotes you can get. Always read the small print and examine the propositions in detail. It is also a good idea to ask insurance quotes for all policies you have at the moment. the internet is great to do such a things, but you don't need an internet connection to compare. You can also visit insurance brokers and agents... or the insurers directly and ask for car and other insurance quotes. What also might be interesting: many companies offer you the possibility to all your contract together and devise the total sum by twelve so you can make monthly payments. A great idea since your income is also paid per month.
Regarding car insurance: it might happen that an insurance company makes a cheap car insurance proposition or boast about having the cheapest car insurance in the country. While this may be true, have a good look at the other insurance (like home insurance and others) proposals they are offering. These premiums could be more expensive than other insurers. Compare all proposals before making a final decision. Keep your eyes open, stay critical and ask professional advice in case of doubt.
The cheapest car insurance certainly exists out there; the cheapest home insurance too, and always look at the global picture. It won't take much of your time to ask for insurance quotes and compare insurance premiums. But the money you could save can be huge. Keep that in mind but have a good look at the entire proposal and read all the small print. Examine all conditions carefully and beware to sign with a crook company.