Some people would rather get root canal than find car insurance.
  Maybe it's because they don't know where to look or what to look for.
  You can find high quality and affordable car insurance designed to meet your needs and your budget by just following a couple of easy steps.
Some people don't buy any car insurance.
  That's not a good idea.
  Although on the surface you will save money a couple of things can happen.
First, because you are legally required to have automobile insurance, you will face severe legal consequences if you are caught.
Second, if you are in an accident and you're not covered you can be in a heck of a lot of financial trouble.
  So not having insurance shouldn't even be a consideration.
The cost of your auto insurance is based on your age, gender, driving record, credit rating, the type and year of your car, and the frequency you will use it - along with your daily mileage.
Then, when you factor in the amount of your deductibles as well as discounts, you can see why insurance premiums can vary so much.
For example, college students can often get below-market insurance rates.

• Because insurance premiums are so specific to the person being insured, getting recommendations about insurance companies from your friends might not be enough.
    A company can give your friend really low rates while your premiums with the same company can be sky high.
  

Most people who want to find the most affordable car insurance get insurance quotes from quite a few insurance companies.

• You can do a quick search on the Internet and find sites where you can get free quotes.
  

Take your time on these websites because you can find some tidbits of information that can save you a lot of money.

• If you'd like you can also call up the insurance companies and get quotes over the phone.
  

Once you've compared rates along with the quality of the companies, you can then save money if you increase your policy's deductible.
The deductible is the amount of money that comes out of your pocket in case there's an accident.
Although you will save money with higher deductibles they are risky if you haven't any money saved for an emergency.
  Consider this before you raise the deductible beyond your comfort level.
You can also get more affordable car insurance if you pay your bill in full instead of making monthly payments.
  Most insurance providers offer a discount if you pay your premiums in a lump sum.
You will also find the most affordable car insurance if the car you're insuring is not a high risk for the insurance company.
If you are about to buy a car that you're going to insure you can save a lot of money on your insurance if you don't buy a sports car or high performance car, a car that's prone to theft, or a car that doesn't have a lot of safety features.
You can get the cheapest insurance if you own a modest car that has anti-lock brakes, anti-theft devices, and airbags.
Sports cars are wonderful but they will cost you more to insure.