It's recommended that you get new quotes on car insurance every year or two. At the very least you should be reviewing your policy terms to make sure that it fits into your current life and situation. High deductibles may save a few dollars off the policy, but what happens if you need to use it? Will that 500 dollar price tag mean a repair you can't afford? Do you have rental coverage for emergencies? Roadside service? Get car insurance quotes today for all your needs. Don't let life happen to you, you happen to it! I've changed companies once already, and I end up changing my policy terms about once a year. Sometimes it's to raise the deductible, sometimes to lower it. I like dealing with companies that let you do the entire thing online. I don't like companies that give you hassles when it comes to managing the paperwork. So far I've been lucky- I've only had to make 4 claims over the course of car ownership. Now, four claims in a decade is a lot- but one was collision beyond my control and the others were all theft-related; and how can you really expect that your car will consistently seem that attractive to burglars? I never thought that. With another baby on the way, you'd better believe I'm going to be double-locking my car from now on.