What would you consider to be the best auto insurance quote possible? How about a quote that gives all the coverage you want at a lower price than you are paying now? This may sound impossible, but if you haven’t compared insurance quotes lately, you can probably save money and get a better quote than you realized.

How Much Insurance Do You Need?

Of course, the best insurance is going to be insurance that gives you the coverage you need to protect yourself. Every state has different minimum insurance requirements, so a good place to start figuring out how much insurance you need is at your state’s Department of Insurance website. Here, you can find out what the minimum requirements are for your state.

Keep in mind, though, that these minimum requirements will likely not be enough if you are ever involved in a serious accident. If you can afford the cost of higher limits, the extra protection is worth it.

Maximize Your Discounts

Another way to get a great auto insurance quote is to look for discounts that you qualify for. Most insurance companies offer discounts such as …

* Good student discount

* Defensive driving discount

* Discounts for safety devices

* Discounts for anti-theft devices

These discounts directly lower your insurance premium.

Check the Internet for the Best Rates

Shopping around for insurance is easier than is has ever been, thanks to insurance comparison websites on the Internet. You can go to one of these websites, fill out one simple online form, then receive quotes from several insurance companies all competing for your business. Then all you do is choose the company that offers you the best quote.

The Internet can also help you check out the insurance companies you’re considering:

* Go to your state’s Department of Insurance website to see how many complaints customers have made about each insurance company

* Visit J.D. Power & Associate’s website at jdpower.com to get insurance company consumer ratings

* Go to websites such as standardandpoors.com and ambest.com to check the financial stability of each company

Visit http://www.LowerRateQuotes.com or click on the following link to get the best auto insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting the best auto insurance quotes.