Car insurance is a pretty competitive market – Consumer Reports found many people were paying almost TWICE what they should have been shelling out for their automobile insurance policy. Using the Internet, you can compare 4 or 5 car insurance quotes within 10 or 30 minutes – no need to drive around town. Car insurance exists not only to protect you, but also the other parties, as well. Without insurance, you could end up paying a lot in repair charges and medical bills. Car insurance rates can fluctuate quite quickly. When you seek the lowest car insurance rates, you need to take in to account the many factors that influence it.