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Strangers can also offer useful advice. People often take their complaints about car insurance to social media, blogs and other websites. Search for posts on Twitter using the hashtag for the company you are considering. The National Association of Insurance Commissioners and the Center for Insurance Policy and Research makes it easy to find formal complaints that have been lodged against companies as well.
State buyer's guides are another resource. States release detailed guides for purchasing auto insurance that explain the ins and out of property damage as well as collision and comprehensive coverage. "Get the buyer's guide – don't just go to some agent," recommends Bob Hunter, director of insurance at the Consumer Federation of America. Those buyer's guides also outline the minimum required coverage and what factors influence your insurance rates, from driving records to how you use the vehicle.
Get the discounts you deserve 
To see if you’re getting credit where credit is due, it's a good idea to find out all the discounts available to you. Some simple ways to save money on your auto insurance include maintaining a clean driving record, being a good student and the inclusion of certain safety features when buying a new car can save you money on your policy.
Want to save some money - review your deductible 
An additional way of saving money on your policy when shopping is to review your deductible - amount of money you have to pay toward repairs before your insurance covers the rest. A simple increase from $200 to $500 could reduce your policy premium cost. However, remember that if you end up having a claim, you would end up paying more.
Shopping for car insurance is easy when you know what you’re doing. By following these tips you can be prepared, save money and make sure you’re getting the protection you need.
Why not get a free quote from 21st Century Insurance?

Learn more about Ways To Get Affordable Auto Insurance and how to consider your lifestyle and goals for Getting the Right Coverage.

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