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30 to 45 days prior to the renewal date of your current policy is an ideal time for car insurance comparison shopping. You can learn about the coverage options you have and your choice of companies without the pressure of making a quick decision.

Every two years, or more frequently if your rate or your family situation changes. Rates vary widely from one company to the next, so a little time invested in car insurance quotes and comparisons can help you find savings—or make you feel comfortable with your current rate.

What information is important for a car insurance quote? Drivers: Date of birth, driver's license number and dates of all accidents and violations in the past 3 years. Don't leave anything out, because your company will order a motor vehicle report before you buy a policy, and your rate could change if you forgot a speeding ticket!

Not all car insurance policies cover you when you rent a vehicle. The policy typically will not extend coverage to friends or relatives unless they are listed on the policy.