To get the best insurance rates, it’s important to find out exactly what type of coverage you need. Once you determine this, you can begin your search.

Car insurance is never really “one size fits all” or “one price fits all.” The difference in cost between a perfect, experienced driver getting simple liability insurance in a quiet area and a driver who needs “the job” and has a tarnished record can be astronomical. Adding a teen driver to your policy can affect the outcome, as can the year, make and model of your vehicle.

So how do you find the best auto insurance rates? Start by evaluating your needs. Start by checking your state’s most current legal requirements for owner’s auto insurance. Are you in one of the few states that allow you to register your car without insurance? With proof of funds only or with simple liability insurance? These facts will affect your choices.

Then consider what your own life requires of you. Is your car something you can live without for a few weeks, or a vital part of your ability to earn a paycheck or get an education? Are you in a high robbery neighborhood and driving an expensive car? A yes to any of these questions can change your numbers when you’re looking for the best auto insurance rates.

After you’ve taken a complete stock of your needs, consider the combinations of policies available to you. From simple liability to a package containing liability, collision, comprehensive, and a host of additional custom coverage forms, each will entail a different response. Different companies will have different prices… that’s where you can finally start locating the best auto insurance rates.

By using an online quoting service, you can gather all the details and proceed to find the real answers in dollars and cents. When you enter your name, address, car information, and the type of policy you’re looking for, you can quickly get answers to potential costs. When you’re done and have the answers in hand, you’ll know what the best auto insurance rates are for you and who provides them.

Until you have the solid facts and a quote in hand, all you know is that all companies offer you the “best.” The ability to be online gives you power: the power of information. Don’t make a choice based on nothing more than a pretty PR image and good advertising copy. Know the facts. Go online and get a quote, and get the best auto insurance rates you can.