As a driver when you are looking for the best car insurance policy coverage, and you want to find the best prices on the insurance, you are going to have to take the time to find discount auto insurance, through the process of obtaining quotes. There are several ways for drivers to find car insurance quotes to find the savings they are looking for, and to get the discount car insurance rates they are looking for. Whether you decide to hire a car insurance broker, use the internet, or contact the insurance companies directly (either by phone, or visiting a local office), the best way to find the discount auto insurance rates you are looking to find, is to generate the most quotes possible. So, the first option to drivers, and probably the best option for the real discount car insurance rates, is to hire a car insurance broker to generate the quotes for you. Basically, a broker is going to work as the middleman, between you and the insurance companies, to find you the discount auto insurance rates, and still find you the best coverage possible. A broker has a database with thousands of insurance companies, and this way they can generate the quotes for you, and help you choose the best coverage, and find the lowest cost. Brokers are also capable of finding more quotes than a driver would be able to find on their own, due to the extensive database they have. And, a broker will be able to negotiate on the drivers behalf, for the discount car insurance rate, since they have relationships with many companies, and can try to get a lower rate for the driver. The use of a car insurance broker, to get the discount auto insurance rates is going to cost the driver a fee, and this is the main reason drivers will not hire a broker. But, if you really think about the fee, it will be a trivial amount once you see the discount car insurance rates you find, and the savings you will get annually. So, for the best rates, the use of a broker is the best option. Another way to generate the discount auto insurance rates you are looking for, is to use the internet and generate quotes on your own. Basically the driver will use a comprehensive site, and input their information (age, gender, address, car type, etc), and they will select the companies they want to get a discount car insurance quote from. Once the information is compiled, the driver submits it, and agents will contact the driver (usually within 24 to 48 hours), and give them several quotes on the discount auto insurance rates they requested. This is a good option to obtain quite a few quotes, and be able to really compare the rates. Although you have to wait for the insurance companies to contact you, it is still a good option to choose, so you can compare rates, and choose the company which will offer you the best discount car insurance rates you can find. One other way to obtain the lowest costs on insurance, is to either visit a local insurance agency, or contact the agencies you are interested in by phone. This is the way drivers had to do the job in the past, and it does take the longest time to get the quotes this way. But, it is still an effective method to find the discount auto insurance rates you are looking for, and for those who prefer doing things face to face, this might be the option you go with to get your discount car insurance quotes from. It will take more time, but it is still an effective way to get the rates you are looking for. No matter what method you employ to get your rates and quotes, if you really want to find the best prices, and the discount auto insurance rates you are looking to find, you must take the time to compare rates, and get quotes from several insurance companies out there. If you are not willing to do the work, and contact the insurance companies, you are not going to find the savings you are looking for, and you can be leaving hundreds, even thousands of dollars on the table each year, since you chose to settle with the first company you called.