There is no question that right now the economy is tight and all of us seem to be having at least a little problem with money.
One of the expenses that most of us have and that seems almost frivolous at times is car insurance, but it is the one expense that we legally have to keep paying for.
As unfair as it may seem, we all have to have at least the "state minimum" auto insurance coverage, mostly for the protection of other people.
So, if you are looking to get a great policy at the best car insurance rate possible, then you need to start shopping around.
Chances are you aren't getting it right now.
When was the last time you got a quote on your insurance rate? Most people just pay the same old bill every six months, watching it get a little bigger each time even though they have never made a claim.
Every time that bill comes in, that should be a reminder to you to shop your insurance around online and see if you can get a better price.
There is no penalty for changing companies, so anytime you find a rate that is better, you should switch over and stay there until you find something better.
The best car insurance rates today are found online.
You can call up your local insurance agent and they will promise you a good rate, but with a little work, you can find a higher level of coverage, a lower deductible, and more perks at a better rate.
Some companies that quote online will offer you extras like rental car reimbursement, windshield repair, or even roadside assistance for almost no cost at all, just for switching over.
This is a great way to get more coverage at a much lower cost.