The question is pretty wide open because there are different types of insurance. As the consumer, you do not have much bargaining room.
Car insurance is based on the value of the car, the safety features it has, your location, your anticipated mileage, whether or not you use the car for work, your driving record, your sex (younger drivers) and your age.
Term Life Insurance is pretty easy to get--the physical standards you have to meet are not too bad and the rate stays the same for the life of the policy. However, once the term is up, you have nothing to show for it.
Whole life can be an investment, but the physical standards are tougher and the age brackets increase more. However, the policy does build up cash value.
Health Insurance is in a flux right now because of Obamacare and everything else. If you are young and healthy you can get a policy. If you have any pre-existing conditions, the price starts going up. Some conditions, such as Type II Diabetes like I have (which is totally under conrol without any medication is almost always an automatic rejection.
There is something called Universal Life. No insurance agent has been abel to explain the advantage of it to me.
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