Clark gave out some bum info back in the winter that he'd like to update. At that time, he'd read a report that suggested auto rates would rise. Why? Insurers were supposedly through fighting for market share via low prices and needed to focus on profits again by raising their rates. But the truth is that attempts to raise rates have failed. The Personal Journal reports that insurers continue to sacrifice profit and rates may go down further.

It pays to comparison shop when you're ready to renew your coverage. Take out your declaration page and get several quotes for the identical coverage you already have. You may save hundreds of dollars a year. Always check the shareholder-owned Amica Mutual, but beware they won't write a policy for you if you have a lead foot. Current and recently retired military members should also shop USAA. This insurer has been called the best customer service organization in any industry by Business Week. That's high praise!