If insurance agents were to be believed, then it is the duty of each and every individual to make themselves compatible with the insurance plans offered by different companies. The truth is just the opposite. There are as many plans as there are individuals in this world. Hence, just because you are suffering from a pre existing medical condition or just because you smoke does not mean finding insurance will be difficult. You can still find affordable health insurance or life insurance.

Those who were involved in an automobile accident find their insurance cost climbing very high. Most individuals resign themselves to pay the high premium until the auto insurance company deigns it fit to reduce the premium. The truth is that you can find reasonable affordable insurance despite the accident. All you have to do is to take advantage of the intense competition between different companies. Why don’t you switch to any other insurance company? Perhaps you have tried the same but your proposal was rejected or you were charged very high premium. Then, why don’t you make use of the approach given below.

– Log on to World Wide Web and make use of multiple quotes comparison web sites to get list of insurance estimates offered by top insurance companies. 
– Choose the one that offers maximum coverage at the lowest premium. 
– Enter into personal negotiations and offer to not only insure your car but the car belonging to other family members as well. 
– Offer to switch not only car insurance but other types of insurance like health, life, homeowner insurance etc. 
– In return, seek affordable prices and good discounts.

You will be surprised to discover companies falling head over heels to convince you to switch. The risk involved in providing auto insurance to you will be compensated by various policies that you bring. You just have to make an offer that seems so good that insurance companies not worried about the high risk caused by the automobile accident or your smoking habit.

If you make use of multiple quotes comparison website, you can perform this negotiation with all insurance companies to find which company offers the best deal.