This time of year, people sit down and take stock of their finances and look at all the ways on which they are spending their money. With the way the economy is behaving it is no surprise to see folks going through their spending habits with a comb trying to plug any possible leaks in their budgets. One big expense that most people have each month is their car insurance. They get whatever coverage they think is good for them or whatever the bank that has the car loan demands them to ge...