Companies such as Progressive and Protect help you locate and compare the multiple auto insurance companies operating in your state. These companies also help you find the best rates. Services such as this are necessary because of the potentially confusing amount of options available to you. Do you want to get the lowest rates possible on the market today?

One important strategy to get lower auto insurance rates is to do thorough comparison-shopping between every auto insurance company available to you. Another important strategy is to know exactly how much insurance you really need before making any purchases.

Multiple ways to do effective comparison-shopping exist online. Most companies list available discounts on their respective websites. Using a convenient car insurance premium calculator is one available method to help determine how much each company charges on average.

Researching rates from various companies every two to three years might help you find a cheaper auto insurance company than the one with which you currently hold a policy.

Evaluating the creditworthiness of each auto insurance company available to you is also important. Does the company pay out for valid claims or does it find ways to invalidate them and force its customers to high, unexpected out-of-pocket expenses? 

Calling each company and talking to an agent or representative about premium rates and discount options is another viable strategy. Telling a company agent you are shopping around for better rates might cause him or her to offer you lower premiums in order to keep your business. 

Some insurance companies let you piece together various elements of your policy, leaving out the coverage you do not need. What are the minimum coverage requirements in your state?

Do you need Personal Injury Protection (PIP) or Medical Expenses (MedPay)? How much liability coverage do you need? How much comprehensive and collision coverage makes sense based on the value of your vehicle? 

Knowing how much insurance you really need helps you compare rates and discounts between multiple companies and get the best money-saving deal on auto insurance available to you today.