An Auto Insurance Companys main goal is to make money. Your goal is to save money. This creates a little problem. :-)
Insurance companies are big business, of course. It's only natural that they are in business to make a profit (and they are VERY good at it!). Because of that, unless you follow some basic principles, you won't be getting the best car insurance deal. Don't worry! It is not too difficult.
One of the best pieces of advice I can give you is to shop around by getting a number of different quotes. It is amazing the different prices you will receive from the various car insurance companys that service your area.
I know getting various quotes takes a little bit of time, but if you shop online, you can get multiple insurance quotes from several different auto insurance companies in a fraction of the normal time.
This small effort usually proves to be well worth your time.
The second tip is to be sure to make yourself aware of the possible insurance discounts so you can be sure to ask for each one available that you may qualify for. Don't be afraid to ask - you probably won't get the discount otherwise.
My third and final piece of advice is this. Don't buy more insurance than you need if you are trying to keep your premiums down.
You definitely need to have the legal minimum, of course. Apart from that, look at the different types of auto insurance coverage and consider your options. You may not want "full coverage" if you are driving an older automobile. If you do want your vehicle covered with comprehensive and collision, only get coverage to the actual value of the car, or you are wasting your money.
Make sure you don't have any overlapping coverage, too. That is just more money left on the table instead of in your pocket.
Oops! I said that was my last piece of advice, but I want to add one more quick tip for those of you who really want to get your premium down as low as possible. If that's you, consider raising your auto insurance deductible. The higher the deductible you can manage, the lower the premium payment.
Best of luck in finding the auto insurance company that meets your requirements AND gives you the very best deal.