Those quirky characters in auto-insurance TV ads might offer you more laughs than actual savings, as outlined by a 2009 survey by the Consumer Reports National Research Center. Only 14 percent of 4,500 ConsumerReports. org subscribers who compared premiums found that they would spend less by switching insurers. Some insurers use consulting firms that mine databases for private policyholder information that may or is probably not accurate.

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Big overseas companies such as Bank of America hire big BPO companies in India, Ireland and China, and save millions of dollars. Tens of thousands of small companies and individual entrepreneurs in the United States and the Europe too want to outsource some of their work so that they too can save money.