Specialists say the rates for 6 months of comparable auto insurance coverage from different companies can vary by over $500. This is a lot of money, and when you look at it with a larger time frame in mind (suppose, a decade), this easily accumulates to a significant amount. With such great variation, it makes sense to do some research before making a decision and deciding to shop auto insurance.

So how to buy auto insurance?

There are so many auto insurance carriers, each offering various plans that vary in terms of policy coverage (i.e. comprehensive vs. collision), deductible and specific limitations. Auto insurance can be also used to complement life insurance which makes the whole process even more complicated. Thus, this decision isn't a trivial one by any means.

There are a lot of ways to turn this experience into an easier one. For beginners, one obvious advantage is leverage the power of the internet: get several quotes on the web. These quotes are free, you're under no obligation to use them, and allow you to quickly and effectively compare multiple auto insurance providers. It is important to bear in mind that cheaper might not be better: you should aim to find the correct auto insurance for your circumstances rather than the cheapest one, otherwise, when it's needed you may regret this decision.

It is also important to go for a credible insurance company: bear in mind, in the event of an accident, you may depend upon this company to give you large sums of money, and so, it should be reliable.

There are some drawbacks to web search as well. For example, only 40% of sites allow customers to complete transactions and buy plans online and most websites only have rates for their own coverage. Instead, the websites serve as intermediaries for shoppers and agents, meaning your information could be passed on to a number of different sales people who may contact you at a later date. Therefore, it's crucial to do a thorough search and compare the various offers by different companies.

Another helpful tip: when talking to an agent, it would be a good idea to remember that he or she might be biased towards a certain insurance provider. Thus, it might be wise to ask which carrier or carriers your agent represents before you start shopping.

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