It pays to get a free car insurance quote but you have to make sure that you know what you're looking at before you buy. Whether you shop online or face to face with a representative, getting the best premium does not always mean you got the best price. If that seems a bit odd, it isn't. Many times companies and representatives use standard coverage when they quote auto insurance. Their standard coverage isn't necessarily the same as everyone else's.

It's a stereotypical image of a 40-year-old man to turn to a super-fast sports car to help soften the blow of a rapidly disappearing youth - the problem is this will normally mean higher car insurance premiums too.

I learned a lesson about inexpensive car insurance when I was younger: Insurance agents lie. I would love to be able to say this is rare, but my experience tells me it is depressingly common. Apart from lying, they just won't tell you some things you need to know to save money.