conversation: User (kilokill): "I was reading responses to [whenifeellikeit comments on My boyfriend wants to buy a $35,000 car, while only making $32,000. He won't listen when I tell him that's a terrible idea.](http://www.reddit.com/r/personalfinance/comments/2mge8o/my_boyfriend_wants_to_buy_a_35000_car_while_only/cm4087o) and there seems to be a lot of differing opinions regarding what limits (and kinds) of insurance one should generally get.\n\nAre there any best practices to follow when buying vehicle insurance?"
  Self: "Something I recently found out: once you have insurance, keep shopping around, even if you are thrilled with your current policy and are 100% sure you are getting the lowest rates possible.  If your insurance company knows that you don't occasionally compare rates, they may raise your premiums because they know you won't leave.  It's called "price optimization" and you can read more about it [here](http://www.wbtw.com/story/26719974/car-insurance-premiums-may-rise-if-companies-know-you-dont-shop-around)  and [here.](http://www.consumeraffairs.com/news/loyal-to-your-insurance-company-it-may-be-a-mistake-082714.html) How they know whether or not you're looking, I don't know."
  User (kilokill): "This is interesting. "
  