Buying auto insurance is more complicated that most people think. That is because there are pitfalls in the road to getting the coverage that can come back to bite the buyer.

If you really want to have the lowest auto insurance premiums possible you've got to not only shop around, but you've also got to have the right vehicle. Insure.com has compiled a list of the least expensive vehicles to insure in 2013 with the help of Quadrant Information Services and the list might surprise you.

A friend recently said that he had purchased an old pickup for his 15-year-old son. He added,

When he turns 16 and starts to drive, I may even put an engine in it.

The term ‘accident forgiveness’ is something that is pretty appealing to a lot of drivers and policy holders. However, as some experts within the industry point out, using the term ‘accident forgiveness’ is somewhat of a marketing ploy by insurance companies. Although the marketing around accident forgiveness policies makes them sound simple, a closer look into the insurance industry shows that there may be a lot of strings attached to one of these offers. Here are some of the major elements of an accident forgiveness offer that auto insurance shoppers should look closely at.

There is perhaps no greater influence on car insurance quotes than the deductible you choose for comprehensive and collision coverage for your vehicle. The lowest most companies will offer is $250 and that can range up to $1,000 or more. Similar to high-deductible health insurance plans, you need to weigh a number of factors, ranging from your own cashflow to the value of your vehicle to the replacement costs. Yet many people seem to not realize that doing some math on your own can pay big dividends down the line.