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2TORIAL
Learn2 Shop for Car Insurance (continued)
Step 5: Comparison shop on the Internet

Because the price of insurance is a mix of so many factors, calculating costs can be time-consuming. Every time you contact a new company, you can expect to spend 15 to 20 minutes answering a detailed questionnaire. Even then an agent might not be able to quote a single, definitive rate. This can make comparison shopping a long, drawn-out affair.

Fortunately, a number of web sites have sprung up to make things easier. By filling out just one online questionnaire, you can get quotes from a variety of different companies--the better the site, the more companies they'll consult. You may not find the absolute lowest rates this way, but you'll certainly receive a number of options and get a sense of the range of prices available to you, without making dozens of lengthy phone calls.

To find such a service, go to a search engine, look for "inexpensive auto insurance," and start browsing. Most services are free, though some charge a nominal fee. Those that charge money may be less biased since they make their money directly from the consumer, rather than earning a commission from a referral.

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2TORIAL STEPS
Introduction
Step 1: Calculate the minimal coverage you need
Step 2: Avoid unnecessary coverage
Step 3: Consider high deductibles
Step 4: Research special discounts
Step 5: Comparison shop on the Internet
Step 6: Contact your state's insurance commissioner

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