Today's insurance policy customers are typically grabbing expensive policies without paying attention to the features they carry, according to the Insurance Journal.

A large number of industry members are afraid that regular coverage is being commoditized. This means that those looking for a policy are just picking the most inexpensive plan without any care what it offers, how good the service is or other necessary aspects, the news source said.

Despite this, a survey from the news source found that while 25 percent of agents noted that nine in 10 of their customers decide to go the cheapest route. However, one-third of those polled noted their customers are picking expensive options one-quarter of the time, the survey said.

"Companies are so impressed with themselves and their coverage that they have lost touch with the reality that the consumer is looking for the lowest price, period," one agent told the news source. "The name, the coverage selection, the service almost make no difference."

Those who are looking for the most affordable health insurance rates may want to go online and compare health insurance quotes. This could ensure that they find the best policy for the money.