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Sixty per cent didn't shop around for the best loan and 20 per cent said they'd take the garage's deal - although it could be up to pounds 1,000 dearer.
The decision to buy an annuity is one of the biggest financial decisions customers will take, but few shop around for the best annuity rate for their circumstances.
Defaqto's Mark Hayes-Newington says: "Premiums vary widely and consumers are advised to shop around.
They are capitalising on the apathy of borrowers and benefiting from the fact that some borrowers may not realise they are entitled to shop around.
The FSA has launched a guide called It Pays To Shop Around, available from Post Offices or by calling 0845 606 1234.
The Annuity Bureau first began campaigning ten years ago for people to take advantage of the open market option to shop around before buying their annuity.
NEARLY 80% of Irish motorists will shop around at the time of their next car insurance renewal in an attempt to reduce costs.
Summary: Germans are continuing to shop around for attractive summer holiday offers, with fluctuating demand for top destinations around the Mediterranean, the Hotelometer results for April (calendar weeks 14/15 and 16/17)
This shows that it is becoming even more important for consumers to shop around for a motor insurance deal and suggests that while there is still strong competition among the cheapest car insurance providers, cost pressures on insurers for claims such as whiplash are generally pushing premiums upwards, the report said.
It has never been more important to shop around for auto insurance, no matter how long you have been with your current company," says Robert Hunter, CFA's director of insurance, in a statement.
The regulator said the findings highlighted the "sheer lack of awareness" among tenants of their rights to shop around for the best deal, with just 26% of renters ever switching gas supplier compared with 47% of homeowners.
They encourage drivers to remove a rooftop cargo box to save 20%, shop around for fuel (7%), check tyre pressures every month (4%) and take out excess weight from inside the car (2%).
They encourage drivers to remove a rooftop cargo box to save 20 per cent, shop around for fuel to save seven per cent, check tyre pressures every month to save four per cent and take out excess weight from inside the car to save two per cent.