Shop around. Compare quotes from at least three different companies to find the best rate. You can do this online, through a phone app, or by calling each company directly.
Consider your driving record. If you have a clean driving record, you can expect to pay less for car insurance. However, if you have any accidents or moving violations on your record, you may be charged a higher rate.
Think about your coverage needs. What kind of coverage do you need? Do you want liability-only coverage, or do you want comprehensive and collision coverage? If you choose a higher level of coverage, you may pay more for your insurance.
Consider your deductible. The deductible is the amount you have to pay out of pocket before your insurance kicks in. If you choose a higher deductible, you may pay less for your insurance.
Get quotes from different types of insurance companies. There are different types of insurance companies, including independent agents, captive agents, and direct writers. Independent agents represent multiple insurance companies, while captive agents represent only one company. Direct writers sell insurance directly to consumers. You may be able to find the best rate by getting quotes from different types of companies.
Ask for discounts. Some companies offer discounts for certain things, such as being a good student, having a paid-in-full policy, or installing anti-theft devices. Be sure to ask about any discounts you may qualify for.
Make sure you understand the policy. Before you sign up for a policy, make sure you understand what it covers. Ask the agent any questions you have, and don't be afraid to get a second opinion.
