What my thoughts say about affordable car insurance
* A basic idea of what kind of insurance coverage you need. You don't need to know exactly what you need at the outset, especially since agents will know more about the details than you will and many kinds of coverage can be increased with surprisingly little expense. However, before fine tuning your insurance policy with the agent, you need a basic idea of what you're looking for. Collision? Comprehensive? Do you need your insurance to cover rental cars? Knowing what you need will save a lot of floundering early in the process. * Patience.