joining us is toby stanger, senior editor at consumer reports. and toby, i feel a little hypo critical. i think i bought my car insurance 16 years ago and haven't looked at it since. what should people be doing? >> believe it or not, it's not a bad idea every two or three years to shop for auto insurance. you would think, oh, well, i've been with my company for a long time, there must be a loyalty discount. consumer reports, we looked at more than 2 billion premiums and there's not much of a loyalty discount. you should shop around. >> part of the reason i've done it is if you're with state farm and they insure your car and house and everything else you have going, do you get a discount for buying in bulk like that? >> you do. it's called bundling. you do get a discount. when you go to shop again, you are going to have to do an apples to apples and say to the new insurer, if i bundle this and that, what is going to be my rate? >> is this one of those situations where i can call up and say i'm going to leave if you don't give me a better rate? does