The best auto insurance rates will depend on two things: what you need and what you can afford. It is possible to have the cheapest rates, but if a policy does not provide you with what is needed, obviously, you do not have the best insurance rates. You got the cheapest and that is it. Unfortunately, it may not provide the kind of service needed during emergencies.
Getting online insurance quotes gives you the best insurance rates because it provides opportunity for comparing and choosing the best. However, you have to do a bit of analysis before going online and hunting for insurance quotes.
What is there to analyze? For starters, be definite on requirements. Consider your car. It has a lot of impact on insurance rates. You do not automatically get low rates just because your car is more than 10 years old. On the contrary, a car insurance company will worry about your safety while driving if you are maneuvering such an elderly car and will consider you a high risk driver.
Employment is another consideration. You might be a salesman who gets on the road a lot. This doubles your high risk profile as far as insurance companies are concerned. If placed in such a risk, you cannot possibly be thinking of having minimum liability coverage only since getting involved even in just one accident will mean paying up a huge chunk of money for damages.
The most crucial, but easy part to determine; what you can afford. It is important to know how much you earn and how much is spent on things other than car insurance. What is left, after deducting everything from your income will be the basis for the kind of coverage that you are able to afford. If it seems too small do not lose hope too soon. Insurance companies grant discounts to car owners they consider low risk drivers. It is possible to get significant deductions by being a good driver, meaning not having a record of getting involved in accidents often, and seldom getting tickets for traffic violations. Apart from that, getting discounts for paying bills on time is also possible. After adding up all discounts available, what is left should be enough for purchasing a coverage you need.
After determining what you need and can afford, it is time to go online and look for the best car insurance rates. By using any of the major search engines, you can obtain enough quotes to make an accurate comparison. Compare each of the quotes with what you have determined beforehand. This is the best way to get the best car insurance rates.