Then what you should do is to choose the right insurance company. Different insurance companies are going to offer different prices and terms for the same coverage as we all know. Also, make sure you choose the company with good reputation.
After you decide which insurance company, before you purchase that insurance policy you need to check out the paper work they gave you, this is the most important step of all because every word matters. You do not want to end up paying for a piece of paper where the fine prints say the auto insurance company will pay you nothing in the event of a car accident. What you need to look for are contracts with implied meaning, such as you will understand and or follow standard safety rules and traffic rules. These auto insurance companies with implied meanings might fight with you about whether or not to pay for your loss if you happen to fail any of their clauses. Make sure that your contract is clear with clear definition of terms.
And last before you sign look at if you can get discounts. Most insurance companies give discounts, such as combination discounts, defensive driving classes, old people discounts, great driver discount, discounts for safety devices, discount for security devices, discounts for college kids who are far away and even marriage discounts.
If you follow these procedures and then implement your own it will certainly help you save money and at the same time have the right car insurance coverage.