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Liability insurance is mandatory in all but five states. And even if you live in one of those states, any car insurance you have should include liability. It protects you if you cause an accident by paying for the other driver's bills, property damaged and the legal fees if you're sued. Experts usually recommend getting a minimum of $100,000 bodily injury protection and at least $50,000 for property damage. It makes no sense to try and save money with inadequate coverage for your free car insurance quote and then lose your life savings after having an accident.

While everyone should have liability coverage, the other parts of a car insurance policy may be optional. Depending on your state, the medical portion may not be required. The extent of medical coverage varies but it often overlaps with coverage from health plans. So when you have duplicate coverage with other insurance, you can reduce or eliminate it from consideration when getting your free car insurance quote.

Probably the easiest way to save money is to either increase your deductible for collision and comprehensive or even eliminate it. By having a deductible of $500 or $1000, you'll get a significant reduction in your premium. And if your car is old and worth no more than a couple thousand dollars, it can make sense to drop the coverage when you ask for your free car insurance quote.