If you want to look for affordable car insurance, use free online quotes.

There are a couple of different ways to read quotes. The simple way gives you rock bottom prices. If you put a little more effort into it, you can get a policy that better fits your needs.

Your state probably requires some level of liability insurance. If you don’t have this insurance and you get into an accident, you can lose your license – sometimes for up to a year. Imagine the impact that would have on your personal and working life. But, you should know that liability insurance protects only the other vehicle and not your own. Liability only insurance is the cheapest kind.

If you own an older car or can cover the cost of damage to it out of your own pocket this is the way to go. You can use a simple calculator to determine how much the car insurance is going to be. Simply input the data into four or five fields and it will give you price comparisons for several different companies.

If you are looking to do more than comply with state laws, you will need a more sophisticated calculator that takes multiple factors into account. This will ensure that all of your needs are met in addition to meeting the state’s requirements.

Here’s just one example: if you have assets such as a savings account or a home, they can be tapped if the medical coverage for someone else in an accident goes above what your liability insurance will pay out. So, if the insurance pays $15,000 (the lowest amount generally) and the medical bills are $80,000, you are personally on the hook for $65,000.

Another factor to consider in the calculation is additional drivers. If the additional drivers are under 21 or over 65, you need a sophisticated calculator to get the best deal.

Sometimes even a sophisticated calculator won’t work. In these cases, you will need to find an offline broker and not depend on the online calculator.

Your own insurance situation will determine whether you use a simple calculator, a more sophisticated tool or a regular broker. That’s what to look for in car insurance free online quotes.

Look for Affordable Car Insurance – Free Online Quotes and other useful information about car insurance at http://AutoLiabilityInsurance.org