Auto Insurance Rates

When I got my first car, I didn't know the first thing about auto insurance.... well, except that when I was in high school my parents got a discount if I maintained good grades. So when I set out to find a 'good' auto insurance company to insure my 1995 Hyundai Accent, I didn't know what to look for. I called a few places and everyone kept giving me quotes 6 months out. The figure sounded way too rich for my blood so I kept calling. Finally I found one which gave me the amount as a monthly rate, and it sounded a whole lot lower (of course!... It's at least 6 times less!). That did it for me! Away I went to sign whatever I needed to sign and get whatever papers I needed to register my car! When I got there, the nice lady behind the desk started asking me all these questions. "Do you want full coverage or limited liability?" Huh? "Have you had any accidents on your record?" ... and on and on.... I had really very little clue what all of these things meant.

I eventually figured out how to answer what I could to get the lowest rate possible for my small student budget. My car managed to last all through school and even a year after. And so life went on. But then I got married. Though the mist of bliss, I did have some faint wonderings how my auto insurance would change... but I was too busy to worry about it. And now... I have to figure these things out and I want the best deal possible. I'm doing some research and will continue to share what I find. How about you? Some of you I'm sure have stories to tell, and experiences that we can all learn from.