Shopping for car insurance can be confusing, but it doesn't have to be. There are certain things that you can do to make shopping for car insurance easier. To ease your insurance shopping, just follow the following ten insurance shopping tips:

1. Know what kind of insurance you need. If you have a car that is financed, you will need comprehensive coverage. If your car is paid for and if it is older or has high miles, you may be fine with just the state minimum liability coverage. Don't fall into the trap of paying for more insurance than you need. By knowing what kind of insurance you are looking for you will narrow your choices and save time.
2. Know what deductible you can carry. Before you take a cheap premium, look at the deductible on the policy. If the deductible is extremely high, that low premium may not be a bargain. In some cases a deductible can be higher than the actual cash value of the car.
3. Get as many quotes as possible. Insurance premiums vary widely between different insurance companies. National companies may have higher rates. You may get a cheaper premium from a local independent agent.
4. Know who you are dealing with. Going with an unknown name when buying car insurance isn't a good idea. If you ever need your agent, you want to know that the company is strong and that they will be there if you have an accident.
5. Ask around for recommendations. You can cut a significant amount of time from your shopping if you make a list of highly recommended insurance companies from family and friends. Ask people that have the same type of car and the same lifestyle and expectations and you will likely end up with a better fit.
6. Investigate the role that your lifestyle plays in your rates. If you are young, taking a driving course could lower your rates. Know what lifestyle choices like smoking makes on your premium before your begin shopping.
7. Look for insurance agents that offer insurance customized for the way your drive your car. If your car is used in the course of your business, make sure that the insurance agent that you deal with can offer you commercial insurance.
8. Know how many miles you drive. Higher mileage drivers pay higher premiums, but if you shop around you can find insurance companies that offer discounts for drivers that drive a large amount.
9. Know which insurance companies offer discounts for safe, accident free driving. If you are a good driver with no traffic infractions on your record, you can get a good policy with a low deductible and a low premium as well.
10. Find an insurance company that specializes in your vehicle type. You may only need traditional liability insurance, but if you have a high powered sports car or a collectible car, you may need specialty insurance. Know what kind of insurance you need before you shop and you will save time and find the best policy for your needs.