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Are you paying too much for your auto insurance? With many companies reducing their rates in the last year- for the first time in recent memory, you still may be wondering why you are paying so much. Well, spending a few minutes requesting FREE rates could save you hundreds of dollars per year or confirm that you do have a good rate. If insured, find your policy(if available), then select your state below using the drop down menu or select from the links below it to begin.

To find the lowest rates on car insurance, it pays to know your insurance coverages.

If you are currently insured, your car 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 car or the car you are buying. If the car 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.. If you are still in high school, take athe drivers ed class offered in your school for an easy 10-15% off.

It is your responsibility to verify the rating, existence and standing of any broker, agent or company you solicit a car 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!