The rate at which accidents occur in the United States these days, and with the amounts of damage attached to them, it is no wonder that car insurance rates are as high as they are; and they look as though they will only be getting worse.
Getting the best auto insurance rate for your car and you is therefore an issue, especially since the law makes it mandatory for you to obtain a minimum of third party only insurance before you may own or drive a car in arguably every jurisdiction in the United States.
First, you do have to know what the jurisdictional edicts are concerning car insurance in your location before you even apply for any package, because you don't want to make a mistake right at the onset.
Secondly, you should apprise yourself of the auto insurance providers that operate in your state, which ones of them are genuine, and which ones have your best interest at heart.
This is important because you cannot allow yourself to purchase a car insurance policy from a company that will not pay your claims when you have them.
Thirdly, in applying for auto insurance and getting the best deal, it is important to obtain premium quotes from as many insurers as you can and compare them to determine which company comes the closest to what you are willing to afford.
In applying for the quotes though, you should specify a few details that may win you discounts, such as a clean driving record, (if you have one), your gender and age (younger female drivers usually are entitled to certain discounts, and the use and profile of the car may tell on how much you get charged.
Keep it real this way, and the auto insurance rate that comes to you ought to be totally affordable.