Insurance companies will regularly switch you to another company because of your accident profile. Usually that company will have higher rates.

In many cases, two accidents will lead to a cancellation of your policy by your insurance company.

Often times, drivers cannot cope with higher insurance premiums and some are forced to give up driving. Unfortunately, others drive without insurance.

Making phone calls to several brokers to get a quote is very time consuming. You spend time on-hold listening to elevator music, you're put through to voicemail, or you leave a message with a receptionist, but never get a call back.

Going online to get a quote is easy.

The web offers online quoting services that are very user friendly and provides free auto insurance quotes. All you do is enter in some basic information and in less than 5 minutes, sites like InsuranceHotline.com instantly provide you with the top three most competitive automobile rates from over 30 insurance companies.

You can often find a rate cheaper than your insurance representative can find as they can only offer quotes from the insurance companies that they represent.

Rates vary by hundreds and thousands of dollars for the same car and driver. The spread of rates can double, even triple if you have a couple of tickets or an accident.

Most drivers fear that no insurance company would want them if they frequently had an accident.

The reality is that you now need to go online and get some comparative quotes to find out which insurance company will charge the best rate so you can keep your car on the road.