A market share war is now raging in the auto insurance world. Auto insurers and homeowner’s insurers go through cycles whereby they are either trying to make more money or gain more customers. Right now, companies are lowering costs because they’re trying to get more customers. Progressive Insurance, for example, is cutting rates and other insurers are being forced to reduce their costs to compete. In other words, it’s a great time to shop around for insurance. Prices differ based on the company and on you as a demographic. For instance, your age, gender and driving record all weigh in as well. Another change in the industry involves “concierge services,” whereby companies handle the repair and everything else at their own shop. Progressive, Travelers and Geico all offer a “one-stop-shop” for repairs and service. They also put you in a rental car, and work out the cost. The only downside could be cutting corners on the repair, reports state. So, check out the repair job thoroughly and get exactly what you deserve.