If you want the best rate, it’s advisable to compare car insurance companies and what they offer. Several websites make it easy to do just that by entering your vehicle information, and then providing policy rates from different insurers. Keep in mind that you need to have the minimum coverage as required by your state, and various other factors can affect how much you pay for coverage. These include your credit score and zip code, as well as the type and age of vehicle you drive, its safety features and the number of miles typically driven in a year. Of course, your overall driving record also affects your rate too, although some car insurers promise no rate increase after an accident. It nearly always pays to have your car insurance and homeowners insurance policies with the same insurer too, as far as saving money.