We compared online quotes for each car for a hypothetical young driver, a 22-year-old San Diego male with a ticket.

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Check your policies: Use couch time to compare insurance quotes from at least five different car insurance companies to see if you can save money on your car insurance rates before the end of the year, says Ohman.

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Always consult with an insurance agent to gather price quotes for various models as part of the car-shopping process, ask about applicable discounts and compare rates from several companies to garner the lowest rates.

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When shopping for car insurance, airplane tickets or a flat-screen television, people make a point of getting price quotes first and carefully shopping around for the best value.

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