Car insurance can be tricky. There are many factors that go into determining what your auto insurance coverage is going to cost. A couple of factors taken into consideration is the type of car you’re driving, the condition of the car, your driving history, your age and the type of coverage your buying for your coverage.

Here are a couple of examples, if you’re driving a 1986 Honda your going to get cheaper auto insurance than if you’re driving a 2009 Ferrari. If you’ve gotten any moving violations such as not stopping at a stop sign, depending on how recent those violations occurred, they can have an effect on the cost of the car insurance as well. An 18 year-old driver will probably have a higher payment for their insurance as well, as opposed to a 35 year old with no moving violations. Lastly, each state has minimum requirements for your car insurance coverage in order for you to drive your car.

When you factor all of these into the cost of your car insurance, you should realize that you have to be careful when shopping around for your coverage. Most companies will provide you with a cheaper car insurance policy if you take a defensive drivers course. There are limitations to how often you can take these courses, and how long the discount auto insurance policy will be in effect for, but it’s very important to know all of this information or you can end up spending much more than you want to, or even need to for that matter. After all, who wouldn’t want the cheapest car insurance they could get?

Many people go online to start looking for different car insurance quotes. Companies such as State Farm, Progressive and Geico will all enable you to obtain an auto insurance quote online, regardless of where you live. Although this is a great idea to see who can give you a cheaper car insurance quote, most people still prefer to go to their local insurance agent to speak with someone in person. An agent will be able to provide you with the small stuff that isn’t offered online, but will help you out in the end to get the cheapest car insurance quote possible.

Here’s another great example, your car insurance can be bundled into your homeowners insurance policy, which might end up saving you money not only on your car insurance, but on your homeowners insurance as well.

With all of the different factors involved, purchasing auto insurance can end up being a tricky task. If you don’t feel comfortable buying car insurance online, you’re probably best of getting some quotes online and then visiting your local car insurance agent to help you get the cheapest rate. Start saving money today by doing your research and driving safe!