The car insurance industry is a lot like other businesses with which we are familiar, in that just when we think we know what"s happening, it all seems to change. And like other industries, the car insurance business experiences cycles. When car insurance is difficult to find and car insurance rates climb, it is considered a hard market. Conversely, when there is a great deal of competition for your business and car insurance rates drop, it is referred to as a soft market. Car insurance is no exception.

With the arrival of 2008 comes a new time to make resolutions, and hopefully keep them. While some may vow to quit smoking, lose 5 pounds, or start saving more money, this is the perfect time to start reaching your goals. One way to save some extra money that you might not be conscious of is lowering your car insurance rates. While comparing car insurance quotes is the best way to save money, there is still between 20% and 30% of the population that doesn't comparison shop.* Here are InsWeb's Top 10 Ways to Save on car insurance.