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Here is a list of things to consider when buying auto insurance:

• Choose the amount of liability coverage that meets your needs. For example, in California the minimum requirements are $15,000 per person, $30,000 per accident, and $5,000 in property damage. Check with your local Department of Motor Vehicles for more information.
• Decide if you need optional coverage. Other types of coverage include collision, comprehensive, uninsured or underinsured motorist, and towing and rental reimbursement.
  

Once you have decided what coverage you want include in your policy, you need to determine who to purchase the insurance from. We will help you choose a company with the services and rates that best meet your needs by presenting a number of carriers where available.

Insurance companies use statistical history to determine current rates. Rates are based on the amount needed to pay all claims and company business expenses.

Your quotes are based on information you provide. All driving and claims records are verified before a policy is issued. Any omitted information would be noted at that time and the insurance premium would be adjusted to reflect your actual driving record.

You might think that your auto insurance rate would be pretty much the same no matter which company you choose. But your auto insurance rates can vary widely - even hundreds of dollars primarily because of:

Varying claims experience - Auto insurance is priced to cover the costs of accidents that may happen in the future. Of course, companies cannot see into the future, so to do this, they use information about their past claims experience. Since each company has had different claims experiences with the groups of people they insure, the rates charged customers by different companies vary.

Varying costs of doing business - Each company's cost of doing business (how much they pay to sell and service policies), along with their financial goals, is different, resulting in different prices being charged to consumers.

A number of factors can affect the cost of your automobile insurance. Age, make and model of car, driving record, purpose the car serves, where you keep and drive your car, and your credit rating all affect insurance rates.

• It pays to shop around. You can often find policies that vary hundreds of dollars for the same coverage on the same car.
• Choose an automobile that is inexpensive to insure.
• Ask your insurer if they offer any discount plans. Most insurance companies have both vehicle and operator discounts.
• Raising your deductible can lower your premiums. Make sure you can afford a higher deductible.
• Drive defensively.
• Improve your credit history.