Michael Tarulli, a retired NYPD officer who worked recovery at Ground Zero after 9/11, did what he thought was the responsible thing with his car insurance. He set the payment to automatic to ensure it got paid. When his checking account went into the red, he had no idea why.

The Staten Island retiree called his insurer, Liberty Mutual, for an explanation. The answer made no sense. A new driver had been added to his policy: a teenage girl he had never met.

This may sound ridiculous, but would you know if your insurance payment has increased? You may not. You may not know if you are getting the best deal, either. Comparison shopping for…

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