<prompt> Human: I am normally the type of person that is just content with paying my bills. I dont normally shop insurance or phone services.What is the best way to shop car insurance. I recently turned 25 and my insurance keeps going up and up. I dont have any tickets or wrecks for at least the last 5 years. I feel like paying around 800 every 6 months seems high.My phone bill is around 90 a month for just myself and that seems kind of high as well.Any tips on how to get these two payments down?  <response>: Your best bet is to call and ask, it truly doesnt take much work to lower payments. What about your internet bill? If you call the company they can usually give you the yearly promo rate and it will cut your bill in half. I shop insurance all the time, go in and talk to them if you can, if not the phone will do. 