Owning a car means having insurance, no ifs, ands or butts. However, that doesn’t mean you need to take the first policy that you see. Prices and plans vary greatly between providers, and it usually pays to shop around. If you do your homework, you can get a better deal. Before purchasing insurance, shop around for the best price. Each company uses a different formula, based on your answers to their questions and previous driving records, to figure out what your insurance premium is. Investigating several companies will help you snag the best rate, potentially saving you a decent amount …