Always shop for the lowest car insurance rates. I find that www.comparsionmarket.com, Geico, and Progressive Auto Insurance are excellent resources for finding the lowest rate. Please note that comparison market will not allow you to use them unless you are currently covered.
If you owe more than the value of the car,lease, or put down less then 20%, you should consider gap insurance. Gap insurance acts like a supplement. If you owe $18,000 on a car and it's worth $10,000, car insurance will give you $10,000. Gap insurance will make up the difference. It's best to buy gap insurance from www.gapinsurancequotes.com vs buying direct from the dealer. Dealers generally charge $500-$700 were gap insurances quotes charges 1/2 that cost.
Try to get a copy of your drivers license to catch any and all mistakes which will drive up your auto rates. Rule of thumb, your driving record determines your auto rate like your credit report determines your loan rate.