Does it seem that car insurance rates are going up like gas and everything else? Does it seem that car insurance rates are just getting higher year after year? If so, than you will probably be surprised to know that 21 states in the U.S. reported a drop in their insurance pricing last year. The average amount of money that people spend on car insurance each year is averaging around $2300 which is a slight decrease from previous years. All of this is good news for someone shopping around for car insurance.

To get a good deal on insurance you have to compare car insurance policies and premiums. While one company may advertise cheap car insurance, another car insurance company may be slightly more expensive - but it may also offer more coverage. Compare car insurance policies and the premiums side by side to see which policies are the best deals.

Other things you should take into account when you compare insurance companies are their loan car provisions and customer service reviews. Why would you want to save a hundred dollars a year and go with the cheapest car insurance you can find if it does not provide you with a loaner car if your vehicle is damaged? The cost of a loaner car can run in the hundreds (or more) and you lose money in the long run.

One way to find out if a company has quality customer service is to read customer reviews. There are numerous websites where consumers like you can go and compare car insurance companies based on many criteria.

If while comparing insurance companies for your car you read that company X is very helpful and goes out of their way to help you when you need it and they are $75 more expensive than another company that is reported to ignore telephone calls and ignore insurance claims - it only makes sense to pay the extra money just to have peace of mind.

With a little time and investigation you can take advantage of the falling car insurance rates and get a good deal.