You should never feel tied into your existing policy. Car insurance is a short-term insurance. The truth is, that if you have had the same car insurance for more than a year without claiming, you should almost inevitably qualify for a lower car insurance rate. Motorists who have no recent traffic violations and have demonstrated lower risk criteria should also be able to negotiate a lower premium. Not only are you a lower risk profile, but in that time, your car’s value would have been decreased, so why should you pay more each year? The average car loses 30% or more in value yearly, so why pay car insurance based on the purchase price? Some insurers will even increase premiums! However, with this revolutionary new car insurance, you’ll actually save money every month.