Every person in the US that has a car must have auto insurance because its required by law, you should check what is the minimum coverage necessary in your state.
The good news is that now is more easy than every to get an instant auto insurance quote online, you just have to fill a form and you are ready to go.
There are many sites on the internet that help to compare auto insurance companies and rates, all you have to do is enter your zip code, age, sex and vehicle details like year, model, mileage, etc.
Then you will get an instant quote online, is that easy.
You will get a rate based on the personal info your provided and the vehicle you have, you may get a cheap or expensive rate depending on many factors.
If you are under 25 and you are a first time driver, your rates will be higher than a person than an older person that has 10 years of driving experience and is driving an old car.
The vehicle you drive can inflate or reduce your rates, sports cars and big cars and expensive cars usually pay higher premiums because they have a higher risk of accidents and cost more to repair.
On the other hand a cheap car with safety devices and low mileage will pay lower rates.
When you fill your details online you should provide only real information, dont try to lie, because once you want to buy a policy the insurance company will verify the details you provided and if you gave wrong information it can cost you more.
Also there are ways to get discounts by taking a defensive driving course, installing safety devices in your car and driving less time.
You can also increase your deductibles to pay less premium rates.
You will usually pay at least the minimum liability and personal injury coverage.
Some people opt for comprehensive coverage if they live in a location where there is a lot of vandalism and theft.
But you have to start by comparing auto insurance quotes online, once you know your options you can start to call the companies to see if they can improve your rates or give you special discounts.