Since I am in the mind frame these days of trying to save money anywhere I can, one thing I have been looking at is perhaps changing my insurance coverages. Obviously I need insurance but I pay so much every month and I have never even had to use my car insurance before. I started doing a search for companies that offered a instant car insurance quote and I found a couple. What I do not understand is that when I plugged in the same things in a couple of different sites they offered such different premiums. What variable am I missing that makes the prices so different?