Is your car insurance a rip-off?

On average, Americans with good credit and a good driving record spend around $1,500a year on car insurance. But, for those who have dealt with unfortunate incidents with their car or credit, could be paying upwards of nearly $2,800a year on insurance. But in the past year we haven’t been driving as much, so why are we paying the same premiums? How can we negotiate the lowest premium possible? In essence, how can we make sure our insurance isn't a rip-off? Consumer Advocate Jeff Arnold, author of How To Beat Your Insurance Company, is here with us today to offer tips on how to get the best insurance deal without getting ripped off.