Whether you’re looking to buy cheap auto insurance for the first time or looking to get a new policy, you should shop online and do some comparison shopping to make sure you’re getting the best deal. You will need some form of coverage no matter where you live. Your auto lender and state laws will require you to have at least basic coverage.

To help you get the most affordable car insurance possible, here are some things to know:

• Even if you already have a policy, you should review it at least once a year. There are so many factors that affect the rate, some of which you may not even realize. If there is something in your life that has changed recently, there is a chance that your auto insurance will be affected. This can include divorce, moving, marriage, buying a new home, adding or removing a driver, buying a new car, change in credit score, etc.

• Start searching online to try to get quotes from multiple companies at the same time. Learn what the minimum requirements are in your state, and consider getting more coverage if you think you might need it. If you are sure how much you need, check with your DMV or Department. insurance.

• Don’t buy any unnecessary coverage. If you have an old car that isn’t worth much, it probably isn’t worth having comprehensive coverage. Drop any coverage when the actual cash value you would receive for your old car does not justify the expense of insurance. It’s still a good idea to have insurance that covers medical bills (the other party’s and your own) in case you’re involved in a serious accident.

A clean driving record helps you buy cheap car insurance

• Know that your driving record will play a big role in the amount of money you will have to pay for insurance. If you have negative notes in your file, you will pay more. Your credit score can also affect the quotes you get when you shop for rates.

• Look for discounts where and when you can get them. For example, it’s usually easier to buy cheap auto insurance if you already have home, property, or other insurance with a particular company. Insurers will give deep discounts to people who have multiple policies with them. If you are a student, there are student discounts for which you are likely to qualify. Look for coupons and promo codes too.

Start comparing prices right now. Just enter a little information about yourself and your vehicle, and you’ll know your options for buying cheap auto insurance. The best place to start your search is esurance. The site offers very helpful resources and makes it easy to file claims. You might even qualify for auto insurance esurance discounts.