How to find affordable insurance
After the contract to buy or rent your home, the contract to buy your car is probably the next biggest purchase you will make. When you first start thinking about it, you probably do some basic research into the prices for the makes and models you like best. Once you have an idea of the listed retail prices, you set off to talk with the sales staff at the showrooms or car lots. This is where your basic research pays off because you are able to negotiate down to the best prices. When you have all the different prices from the showrooms you have visited, you can make the best decision on which car is the best buy. Except, you remembered to research how much all your favorite makes and models cost to insure. That way, you would not be taken by surprise when you asked how much it would cost to actually drive your favorite make and model, e.g. sporty vehicles or fancy SUVs cost the most. So, just as you take the time to shop around to find the best price for the car, you should also do the work to find the best price for insurance.
Second, remember cheap car insurance is cheap for a reason — usually that the cover on offer is limited and you will have more success in getting blood out of a stone when it comes to making a claim. It's usually safer to pay a little more to buy a policy with a company that has a good reputation when it comes to handling claims and has written a car insurance policy offering reasonable coverage against everyday risks on the road.
Third, there are a range of factors you cannot change, e.g. your age, gender, where you live, and the quality of your driving record to date. Women who live in rural states, drive very little and have never been in an accident, pay the least. Young men who live in a dense urban environment pay the most. So work hard at the factors you can control. Have a good grade point average at school to show yourself responsible. Reinforce that image with a good credit score, and pay to go through a driving course approved by potential insurers. Then drive defensively and avoid accidents (or do not make a claim). Now you can find affordable car insurance.