Here's a insider tip that you may not be aware of: not all auto insurance companies are created equal. This is contrary to what they want us to believe. The conventional wisdom is that your auto insurance premiums are calculated from an industry standard, much like your credit score is. Granted many auto insurance providers use similar methods for determining how much to charge you for vehicle insurance– such as driving history, auto make and model and your location – there is actually wide range when it comes to the final price tag for your vehicle insurancecoverage.

So how do you find the lowest rate for the most coverage? Simple: research. When it comes to comparing offers from different vehicle insurancecompanies, information is your secret weapon. And online insurance quotes are your key to unlocking the best information. When you visit a auto insurance agency, you receive only the information that the insurance representative wants you to read and only offers from that particular auto insurance company. But when you conduct an online search, you can get a more complete view of all the offers that are on the table.

To optimize your search, run your query as a local auto insurance search. The best auto insurance online searches will let you find insurers by zip code or by city and state. This will reveal all the most competitive rates and special discounts available in your area. You can also click through for a quote and additional details and terms. Take this information with you when you visit the office of other auto insurance companies (or you can just sign up right away online, if you find an excellent deal).

First, let the insurance representative know that you are shopping around for the best rate. If they quote you something higher than what you've already found, let them know that their competitors are offering better rates. Also, if you happen to find a special discount – such as a certain percentage off for being a safe driver – be sure to mention it. Before you end a discussion with a auto insurance agent, ask if they can give you a summary of the coverage terms and the pricing breakdown. Now you have further information for your search.

Begin building your arsenal of information long before you begin looking for new auto insurance. Even if your vehicle coverage plan doesn't expire for several months, it doesn't hurt to begin researching vehicle insurance providers. The process takes only five minutes and can yield many rewards in the form of monthly savings on your premium.