How Much To Pay For Auto Insurance? 
Pay as much as it takes to get the coverage you need to protect you and your family adequately . Once you determine how much coverage you need , shop around with several different insurance agents and make sure to include an independent insurance agent that is n't tied to just one company . Your rate will be based on many factors including : coverage limits , deductible levels , additional benefits , driving records , number and types of vehicles , age of drivers , and location . Shopping around will ensure you have the lowest rate . 