Haggle, haggle, and then haggle some more. That is how the insurance business works. The insurance salesman is desperate to get your business and will go as low as possible to get your business so it never hurts to ask for a lower price. In the current economy, small businesses need to do everything they can to reduce expenses. If you are in need of small van insurance and you want to pay as little as possible, then you should first google a few insurance comparison sites. When you find the lowest quotes that you can find then you should call and haggle to see if you can get them even lower.