Well, it is 3% in the first year anyway. I think the insurance companies might have agreements with the insurance carriers and direct buyers to a particular insurance agency. Invariably you will return to the insurance company you used when you bought the car.

When the annual renewal comes up though you may find that it is way higher than 3%! Or else we weren't skilled/persistent enough to negotiate it down to 3% :)

Here is a short blog about our experience with car insurance renewal.

http://tinyurl.com/elmrk

from my blog about life in Qatar:

http://www.xanga.com/BBetz