Finding the lowest rates on car insurance can be a daunting task. However, with some research and knowledge, you can get the best coverage for your needs at an affordable price. The key to getting the lowest rates is understanding how insurance companies calculate premiums. Knowing what factors they take into consideration and shopping around for competitive quotes can help you save money. Additionally, taking steps to reduce risk, such as avoiding driving while distracted or under the influence of drugs or alcohol, can help lower your premium cost substantially. Lastly, consider raising your deductible; this means you'll pay more out of pocket in case of an accident but it also means that your overall premium will be lower. With these tips in mind, you'll be able to find the best coverage at the lowest rate possible.