It's a great thing to find an auto insurance quote that is several hundreds of dollars lower than industry standards for your profile. However, like everything out there, you need to make sure of a few things before you buy such an affordable policy. Indeed, you need to make sure of a lot of things even if the quote is expensive...

1. How solid is the company in question? Do they have a good rating with independent financial rating institutions? You certainly don't want to buy from unscrupulous insurers who put unnecessary hurdles before policyholders when they file claims.

Are their policyholders complaining? How quickly do they resolve complaints filed? Don't buy from an insurer who does NOT show enough commitment to it's insurers. Check with BBB (Better Business Bureau) and your state's department of insurance.

Furthermore, make sure the insurer in question is licensed to sell auto insurance in your state. Check with your state's department of insurance to verify this.

2. A very low quote could mean that a policy has very high deductibles. Although this is fine if you have a very old car, you may need to reconsider your position if yours is a new car. Remember the law requires that you contribute this amount if you file a claim.

3. What's their forgiveness period? Traffic violations and accidents are usually cleared off a policyholder's record after a given number of years. What's it for this insurer. This should be of particular interest to you if you don't have a very great driving record.

If, after checking for these things, you are satisfied then you can go ahead with the offer. There are many other reasons (good reasons) why an insurer's rate could be far lower than industry average.

Along with the things suggested above, make sure you have a clear understanding of what's covered by your policy and what's NOT. Do this before buying any policy and you'll save yourself needless tears.

Now is time to put what you've learnt into practice and save yourself hundreds or, maybe, a few thousand dollars. Obtain auto insurance quotes from these reputable sites.