Consider this when purchasing Automobile Insurance

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You are shopping for auto insurance and many thoughts are running through your head.  How much, what kind, what is collision coverage?  These are only a few questions that need answers.  Liability coverage is an important part of your insurance so consider there questions in your search:
Do you really need collision coverage?  Do you need comprehensive coverage? Do you need to speak with an agent or can you take care of this over the phone or by mail?  The deductible amount makes such a big different in rates, how much should be deductible be?  There are discounts offered everywhere, what discounts can I use and which do I need to quality for?  There is a service called a multi-quote service, should I use that or do I need to ?  I have more than one car, is there a policy for multiple cars?
My new car has many safety features on it, do they allow for discounts on my rates?  You have spent a lot of money on security features on your car and want to know is there is a discount because of these or maybe you had attended a driver education class recently and want know if there is a discount offered because of this. And last of all, you are a current student with good grades, there must be a discount you can get for all your hard work.