Almost all consumers will compare several car insurance quotes when they get that first car insurance policy, and normally will pick the one that is cheapest. The thought process is that the company offering the lowest price is the smartest one to go with for cheap auto insurance. But smart consumers are starting to look beyond just the bottom line price when comparing auto insurance policies because they have realized that any such comparison does not make sense unless you are comparing apples to apples.

It is obviously good business to shop around and get several auto insurance quotes from different companies. But the first thing you need to ensure is that you are getting quotes for exactly the same coverage. The price of the auto insurance policy is affected by a great number of options, and you need to make sure the options are the same when you are comparing a number of different quotes.

For example, you have deductible amounts, and that is a different amount for each type of coverage. You have a deductible for collision, a deductible for comprehensive, a deductible for fire and theft, and perhaps even more. Set the deductible amount to the same level for all policies to make sure that you are comparing the policies on equal footing.

You need to also look at the limits of liability. For property damage, for example, make sure that the limits are the same, not one with property damage liability limit at $50,000 and another with that same limit at $200,000. For personal injury and personal damage, the same holds true - make sure that the ceiling amounts are the same, and also that those amounts are adequate for the part of the country you live in.

Your next step in comparing quotes is to do some research on the company that is providing the quote to you. Not all of these companies are safe to work with. An Internet search and a call to the Better Business Bureau can often tell you about a company that you do not want to consider being insured with.

Keep in mind that some insurance companies will offer you better rates if you have more than one product with them. For example, in addition to your auto insurance, if you also have a home insurance, life insurance, or even a renter's property insurance policy with them, they will give you an additional discount on all policies.

To make sure you are getting the best possible value, also get an online car insurance quote. You obviously want to make sure that the company providing the quote is reputable and capable of covering a claim if you need to make one. But these companies can frequently offer car insurance rates that are significantly lower than the traditional companies, simply because they are not also trying to cover the rent on their office building, and they are more than happy to pass that savings on to you.

Like anything else, you need to do your homework to make sure you are getting the best value for your auto insurance. But the effort you put into doing that homework will be repaid many times over by the savings you will realize. For more insights and more information about Cheap Auto Insurance as well as getting a free online auto insurance quote, please visit our web site at http://www.tips-for-car-insurance.com