Keep in mind that there are also a lot of different coverage options, and some of them are worth the money while others really are not. Some of the best coverage options, though, are the cheaper ones – like rental car reimbursement and roadside assistance. These are options that a lot of people really need and should keep on their insurance, because a rental car can get expensive and being stranded on the side of the road with a flat tire or a dead battery isn’t much fun, either.

What kind of car you drive and how many tickets or accidents you have had – especially in the last three years – also has a lot to do with your rate, and could really change what you pay depending on the company that you go through. It’s best to get quotes from several different companies to see how they compare.