It isn’t easy to find a good deal on auto insurance, especially if you live in a high-cost state, such as New York, New Jersey or California.  It takes time and research.  In some states, a few hundred companies offer auto policies, and in others, only a few dozen, so not necessarily a lot to choose from. And even if you find a company with great rates, there is no guarantee you will qualify for those rates or that the rates will stay low after the initial policy period.