Be careful about buying cheap auto insurance advertised at your neighboorhood insurance office or in the local phonebook. Most of these companies will offer you great rates and ask you to send them money to reserve your insurance policy. These people usually end up pocketing the money instead.

Does this mean you can't trust cheap auto insurance? Of course not, there are companies such as Insure Me that provide free quotes from actual auto insurance companies that verified. Sites such as mercuryinsurance.com, usaainsurance.com, aiginsurance.com only offer quotes from one company other than multiple quotes. InsureMe's network of auto insurance companies include: Allstate, Farmers, Nationwide, Access, AAA, Titan and more.

Finding cheap auto insurance is easier than a lot of people imagine. People sometimes don't bother shopping around for car insurance rates because of the time it used to take. However, the Internet has allowed consumers to simply fill out one form and receive multiple free quotes. Using such services has allowed some consumers to save over 25% off their rates.

There are a number of factors that will determine your rates. Here are some of the major factors:
  • Location - Where you live greatly affects insurance rates. Someone in the middle of Nebraska will pay a lot less than someone in Los Angeles or San Francisco.
  • Type of Vehicle - Someone driving a Porsche or any other expensive sports car will pay a great deal more than someone driving a Toyota Camry or Honda Accord.
  • Tickets - The more speeding tickets and moving violations you receive will increase how much you pay for car insurance.
  • Accident Claims - Even if the accidents were not your fault, studies have shown people involved in accidents are more likely to get into another accident.
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