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Auto insurance is very important, that is why, preferably 30 to 45 days before the expiration of your current insurance policy, you should start to compare insurance quotes even though you're quite happy with the one you already have. The reason for this is there might be better deals for you out there and the time frame is sufficient enough for you to compare auto insurance quotes and not make any hasty decisions. Also, your family situation or insurance rates may have changed that's why you need to gather as much insurance quotes that you can find in order to make an educated decision. When you compare auto insurance quotes, make sure you are comparing quotes on even terms. Compare quotes by considering your present coverage and deductibles with the coverage and deductibles of the insurance quotes you got. By doing this, it will be clearer for you if you are indeed paying less or not. When you're getting your quotes, try variations in the limits and deductibles and see how much you'll be able to save. Also, make sure the quotes you receive are the actual premium rates, and not estimates. You'll be able to compare quotes better and make the right choice if the information you have are the right one. Of course, when you compare auto insurance quotes, you are looking at the lowest rate that you can have for the right coverage you need. There are ways to have lower rates on your car insurance that you should be aware of. One of the most important and easiest ways to lower your rates is to drive safely. Insurance companies look at your driving records and this is one of the many factors for giving you the rate they think you deserve. Before you compare quotes, think of the deductible that you can afford. The higher the deductible, the lower is your premium rate. Once you have chosen the right auto insurance with the right coverage after you compare quotes, your work is not yet finished. Because the price and amount of coverage are not the only factors that you need to consider. You should also consider the insurance company's profile. You should determine how financially stable are they, because once you file for claims, they should have the financial ability to help you. Speaking of filing claims, you should also find out if they have reliable claims service and customer service any time of the day that you need to contact them. These days, it's quite easy to compare auto insurance quotes because there are websites on the internet that you can get free quotes from many top insurance companies. Getting quotes are user-friendly, because all you need to do is provide your zip code and answer a few questions. To compare quotes better, take time to answer those questions and provide the right information to make sure the quote that you will get is the actual premium rate, or at least very close to it, and not estimates only. If the time has come for you to shop for a new insurance quotes, remember, auto insurance quotes are just a few mouse-clicks away.