Next, when you are calling around to agents and getting low rates, make them go down.  Sharp car insurance agents like to compete, especially against other businesses and companies, so make sure that you are telling them that you can take your business elsewhere if needed – that will get you the lowest rate.

Car insurance quotes are all about how you plan the game … seriously, make sure that your head is in it and you will see what I mean!

Now, you have to realize that different auto insurance companies will want different information, but for the most part, these are the basics:

You will, of course, need your zip code, because your neighborhood and location mean a lot in determining how high or low your rates will ultimately be. You will likely need to say whether you rent or own your own home; typically, if you own a home, you are considered a bit lower risk than a renter.

Companies need to know how long you have been driving, how old you are, and the specifics of both your driving record and your credit history. The car you drive is important, and they will need to know why you drive the most — i.e., business, pleasure, et cetera.

Just because you have access to literally hundreds of different web sites does not mean that you can just go with the first one you come across. Plus, you need a few things before trying to get a quote off of an internet insurance web site.

Some people are not comfortable entering any personal information into a web site. If you are one of them, you may want to reconsider looking for car insurance quotes online.

Next, we will talk about exactly what kind of information you will need to give.