Car insurance is something every car owner needs (it is required by law), but car insurance can be an expensive proposition. Depending on your age, driving record, the area you live in, the distance you drive in a given year, and type of car you drive, you could be paying thousands of dollars a year.

As with any purchase, it is smart to shop around, compare quotes and see what best suits your needs. The internet has simplified this process, with insurance companies offering online quote questionnaires that are simple to fill out and usually generate a quote amount quickly. These questionnaires are generally the same, asking for age, driving experience, accident history, whether you have been insured before, distance you drive in a year, distance you drive to work, and whether the vehicle is used for business or pleasure.

These questions give companies a basic profile of your driving record, but the questionnaire will ask other things you should not ignore. Be sure to note if you have any anti-theft devices, how many, and what they are specifically. This is less a problem with modern cars, since most come with at least an alarm pre-installed. However, the more anti-theft devices in the car, such as a kill switch, boomerang, even glass etching, can significantly reduce the amount you pay, especially if you live in an area insurance companies consider “high-risk”.

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