Paying for auto insurance sucks, but it’s something we all have to have. If you’re looking for a cheaper auto insurance rate, you’ll need to do your homework and find out which insurance carriers provide the best discounts.

Here are some simple questions to ask when you’re doing your research and comparing prices:

• Do you offer a multiple car discount?
• Do you offer a discount for excellent driving records?
• Do you offer a good student discount (usually a 3.0 “B” average or better) ...