You don't have to switch for a better deal: you can haggle

If you want the best deal on anything from insurance to energy and car breakdown cover, then when your renewal letter comes through the post, it's often a matter of shopping around and switching. But we're not always keen to vote with our feet - especially when we like the service we're getting where we are - so many people stay put. This loyalty can cost us hundreds of pounds a year.

Fortunately consumer experts say there's another way to save money: you can haggle.%VIRTUAL-SkimlinksPromo%