Get a rough estimate of what you should be paying for car insurance.
The biggest factors are your age (drivers under 25 pay 50–100% more), driving record, where you live, your car's value, and your coverage level.
Shop at least 3 insurers, raise your deductible, bundle with home insurance, maintain a clean record, ask about low-mileage discounts, and take a defensive driving course.
Full coverage combines liability (required by law), collision (covers your car in accidents), and comprehensive (covers theft, weather, animals). It's recommended if your car is worth more than $10,000.