How to find cheapest insurance?

Everybody wants cheaper car insurance, but how do you actually find it?

Have an extra car in the household you can use if yours is in the shop due to an auto accident? If so, skip rental reimbursement coverage.

Also, don't pay extra for personal injury protection or medical payment insurance (if they aren’t required by your state) if your family already has a good health insurance plan.

8. Watch for pitfalls in coverage

You can only go so far with discounts and comparison shopping. Some carriers can provide you a lower rate, but they do it by limiting coverage in ways you might regret in the event of an accident.

For example, some companies limit coverage of permissive drivers or don't cover them at all. That is, if you lend your car to a friend who has an accident, your liability limits might be reduced or the claim might not be honored. The same discount policies might not extend to a rental car, as standard policies do.