Here's a real quick example outlining how you could work that keyword into your text, Rome9t9.
Title: Free Auto Insurance Quotes
Body: With the economy being the way it is, many people are searching for ways to save money. Most consumers are unaware, however, that they could be saving money by looking into free auto insurance quotes! Statistics show that many people are over-paying on their insurance and you could be one of them.
Somewhere in the middle:
There are many websites that offer free auto insurance quotes such as "list here."
OR something like: Many companies now offer free auto insurance quotes to potential customers.
Finally, end it with:
So the next time you find yourself with fifteen minutes of spare time consider looking into getting free auto insurance quotes - it could save you some cash!
The longer articles do better in hitting the long tail kW. The best is to use natural language. You never never what long tails you will be able to hit. Peope search for all kinds of terms. That's the beauty of using natural text in a longer article.