Shopping for car insurance can be intimidating and frustrating. The great number of insurance companies out there to choose from as well as the different requirements from state to state make the prospect daunting to say the least. However, if you go into looking for car insurance as organized and optimistically as you did when you bought your car, then you should be in great shape.
Your first task as you begin to shop for car insurance is to learn what exactly is required by your state at minimum if you want to be able to legally drive your new car. You can find this information by searching DMV.org's state by state listings. As each state is different, you should be sure that you pick the state in which you'll be driving the car the most.
After looking this up, take some time to browse information regarding insurance terms and coverage options. A basic primer, such as this article by the Insurance Information Institute,will help you figure out what each company is truly offering in their coverage packages. A great tool in figuring out this information is knowing the insurance industry's terminology for various kinds of coverage. If you can speak the language, then you have balanced the playing field when negotiating coverage and payments with an insurance agent.
Next, you should look into car insurance coverage comparison sites. These sites will take your information and desired coverage and try to offer you quotes from a variety of insurance agencies. Once this process is complete, you should either have a handful of quotes to take to the insurance company of your choice. Then, depending on what you'd like to do, you can go with that specific agency or not. Remember, though, that your insurance rates will also be affected by your driving record, your age, and the state you live in. Keep all of this in mind as you shop for coverage.
Another thing to keep in mind when you speak with insurance agents is that they will often suggest various packages to you that you might not need. In other words, if you're comfortable simply have the bare minimum on your coverage, then don't let them sell you a package for more than what you want. The standard kinds of coverage that you can get include liability, collision, and so on. You should purchase the coverage that best applies to your financial situation. If you have few assets that an injured driver could go after, then it makes little sense to buy coverage in excess of your assets.
Remember, it's not about having the cheapest coverage possible. It's about having coverage that you are comfortable paying for that will balance your current budget with what you'll need if you should in fact have an accident.
For more information about insurance, explore the Insurance Information Institute's website.