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There are many auto insurance companies eager to have your business, and this is an advantage for the consumer. Having a variety to choose from gives you the option of shopping around for the best insurance quote. Educating yourself on the process and how to prepare the information needed to get the best quote can mean the difference between getting a good rate and a great rate. If you are in the process of buying a car, the make and model you choose can make a huge difference in your insurance premiums. If you’d like to keep your premiums particularly low, avoid high-performance cars, sports cars, high-theft cars (found at www.nicb.org), and luxury cars. Before calling insurance companies, ask family and friends who they’re insured with and contact the most recommended companies. Here are some helpful tips to keep in mind to get a great insurance quote:

Be sure you know the year, make, and model of the car. Having the vehicle identification number (VIN) found on your windshield can speed the process when speaking to an agent. Be prepared to tell the agent how many miles you typically drive in a year, whether the car is for business or personal use, and whether or not the car has any kind of anti-theft device, daytime running lights, airbags, or anti-lock brakes, all of which can reduce premiums.

Keep in mind that each state has its own minimum coverage requirements. For each part of the policy, ask for the difference in price between the required minimum and the next step up. Do the same for various deductibles. Then consider your financial situation and choose the best option. If you are leasing a car, there may be higher required minimums for such things as bodily injury liability, collision, and comprehensive.

Consider only the options you need and want. There are extras such as towing coverage, car rental coverage, and roadside assistance. These can be helpful additions to a policy if you should choose them and they often do not increase premiums significantly.