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Automobile insurance rates vary by town, city, zip code and state. To find the lowest rates on automobile insurance, it pays to know your insurance coverages. If you are currently insured, your automobile insurance policy's declaration page contains all of the necessary coverage information, with many companies offering plain english explanations of the coverages. To maximize your savings, take a moment to assess the safety features in your automobile or the automobile you are buying. If the automobile has air-bags, anti-lock brakes, day-time running lights, or an alarm, you may be entitled to discounts that could reduce your premium substantially. Take an accident prevention course if available for an easy reduction in premium..You might learn a thing or two in the process. It is your responsibility to verify the rating, existence and standing of any broker, agent or company you solicit a automobile insurance quote from. To verify an insurance company's ratings, try A.M. Bests Rating Guide. You can verify the existence and standing of insurance brokers through your state's insurance department. Happy Shopping!