If you are currently shopping around for automotive insurance, most likely you are looking for a more affordable auto insurance rate.There are many insurance companies that would love to have your business. If you go about it the right way, they will all be competing for your business and this can lead to lower insurance premiums. You must be aware though that some companies that are not well established will try to get your business anyway they can and that includes offering you things that they cannot give you when the time comes. One of the main things you need to figure out personally, is your risk assessment.How much of a risk are you to an insurance company? Have you had a lot of accidents and claims in the past that makes you more of a high risk? Have you had a perfect driving history and never filed a claim? This information is important and will help you figure out how much insurance you will need and possibly why the rates seem a bit high to you. If you are a higher risk, the…