The type of car you drive, your driving record, your age, your sex, where you live and how much you drive usually affect cost. You may qualify for various discounts. If you drive a family car, you can be added to your parents' policy. However, the cost of the policy will increase. If you have your own car, your parents' company may sell you a separate policy but at a different rate that your parents.
Many companies sell auto insurance.
Ask agents, brokers or insurance companies for price comparisons. Some state insurance departments publish guides showing what different companies charge in certain situations in various parts of the state. See if you can lower your insurance rates. Many companies offer discounts on the piece of auto insurance to people who have passed an approved driver education course or who have a B grade average or better. Many companies also offer discounts if a car has anti-theft devices or air bags.