One type of question I see asked over and over again on the Internet is similar to this: “How much is auto insurance for an 18 year old with a 2003 Ford Mustang?” Or, another variation of this type of question is, “I’m a 24 year-old female in Phoenix, AZ, and I pay $800 every 6 months for full coverage on 2008 Honda Accord. Am I paying too much?”

I’ll tell you the secret to not paying too much for auto insurance and really saving $100s on your car insurance bill. But first, let me explain why asking around for someone to give you a price on car insurance, or a tip on an auto insurance company with low rates, won’t help you get a good price on car insurance.

Auto insurance is a major expense for a lot of people, so it is only natural for people to want to know if they are paying too much. However, asking questions about rates on the Internet won’t get you any useful answers.

Forget the fact you are not providing anyone with enough information to give you anywhere close to an accurate idea of what the proper cost of auto insurance for you should be.

If you did provide all the information needed to get an accurate auto insurance estimate, no one, including agents selling auto insurance in your home town,  knows the rates for all the insurance companies for every type of driver.

There are a lot of different factors used in determining your auto insurance rate: your zip code, age, sex, marital status, driving history, claims history, length of time continuously insured, which insurance company you have now, the coverage you have now, your education, employer, profession, type of car, annual mileage, miles driven to work, other drivers living in your household, etc.

Change only ONE of those rating factors, and the insurance company that had the lowest rates for you, may now have the highest rates for you, and another auto insurance company can save you $100s of dollars. Change the rating factor again, or change another rating factor, and a completely different insurance company has the best rate for you.

No one can estimate the price of auto insurance for you. Agents require a computer to get you a price, and if any of your information is inaccurate, the price can be off $100s once the inaccurate information is corrected.

Someone may answer your question you posted on the Internet,  but since they are not you & insuring your car, the insurance company they tell you about, which may have the best rates for THEM, may have the worst rates for YOU.  They could be identical to you in every way but one, say living in a different zip code, and still point you in the direction of the worst auto insurance company for you.

No matter how much people may honestly want to help you by recommending an insurance company with good rates, you can’t rely on their recommendation to get you a good price on auto insurance. I shop my auto insurance with all the major (and not-so-major) auto insurance companies, but I don’t blog about which insurance companies have good rates for me, because I don’t want to mislead people into getting quotes only from one or two insurance companies having good rates for me, thinking it is a short cut for them to get low rates, when the insurance companies with low rates for me, may have very high rates for them.

So, what is the secret to getting a good price on auto insurance?

Here is what you need to do:

1. Get price quotes from all the major auto insurance companies.

The biggest mistake people make, other than not shopping for better auto insurance rates, is not checking with ALL the leading auto insurance companies.

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I know it sounds like a lot of work to check with all the auto insurance companies offering coverage to you in your state, but isn’t it worth it to spend a morning or afternoon to save $100s per year? If I told you I would pay you $300 or more to spend one afternoon talking on the phone, wouldn’t you do it? Saving money on auto insurance is like earning tax-free money, so it is worth your time to get quotes.

How do you find all the leading auto insurance companies? My Web site is a great resource for you, and has information on more insurance companies (USA only) than most auto insurance Web sites. Check them out at leading auto insurance companies.

Every state has smaller insurance companies, which I may not know about to recommend to you, which may be a good choice for you. I never pass up an opportunity to get an auto insurance quote from an insurance company never quoting me before.

One time, I received a mailer offering an auto insurance quote through my credit card. My credit card company owned an in-house independent insurance agency, and they quoted me a small insurance company I never heard of before, and they had a great rate for me. I insured with them for several years until the insurance company decided to stop offering auto insurance in my state.

I suggest you do the same, and never pass up an opportunity to try and save money on auto insurance — it’s worth 15 minutes of your time to check the rates of an insurance company never quoting you before.

2. Shop your auto insurance with all the leading auto insurance companies once a year.

The auto insurance company having the best rate for me 5 years ago, does not have a very good rate for me now. Neither does the insurance company I insured with 3 years ago. An auto insurance company having a terrible rate for me 3 years ago has a good rate for me now.

Auto insurance rates are always changing, usually increasing, but car insurance companies continue to come up with new discounts and insurance programs with lower rates.

Your risk profile also changes with time. Even if you live in the same place, have the same cars, and your driving record has not changed, you are older and your insurance history is longer.

I shop my car & home insurance every year, and every year I find a better price on auto insurance. It pays to shop annually.

That’s it. Shop with all the auto insurance companies, and do it once a year, and you, too, can save $100s on auto insurance.

Tons of folks pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. For a lot of people, the best auto & home insurance companies are the ones with the coverage they need at a lower price. With auto & home insurance, you don’t get better service or coverage because you pay more. Some of the best companies have competitive rates.

What has been your experience shopping for auto insurance? If you don’t shop for better rates, why not? Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.