There are more cars on today’s roads than ever before. In 2016 alone, global car sales reached a record of 88 million vehicles and 73 million vehicles were produced worldwide in 2017. But with vehicle ownership also comes the responsibility of investing in car insurance.

For millennials, navigating the world of car insurance for the first time can be daunting. This is especially true with student loan payments piling up and a difficult housing market to deal with. So whether you’re getting kicked off of your parents’ insurance, are buying a new car, or are looking for some lower rates, here are a few tips to help you find the best car insurance possible.

Don’t Pay for Coverage You Don’t Need

Car insurance is required — so even though one in six Colorado drivers drove without having insurance in 2012, you do need some level of insurance. However, you don’t necessarily need the most expensive package. Most states have minimum requirements for insurance and that’s really all you need to have.

But insurance packages can have a wide variety of coverage options — medical coverage (3 million people are injured in car accidents on U.S. roads every year), roadside assistance, and other features may be available, most likely at higher prices.

If there are features you feel like you need, make sure they’re included in your plan. But if your insurance agent suggests a plan with features you don’t really need, stand your ground and say you want something more simple. This way, you can have affordable insurance and not pay for things you don’t actually use.

Compare Several Rates

Just like with any big purchase, you shouldn’t just go with the first option you’re given because it’s easier. Before deciding on a car insurance plan, you should meet with numerous carriers to see what all of your options are. Insurance companies can all have different plans they offer at different prices.

There are plenty of ways to save money regarding your vehicle — something like exploring alternative fuel options, like natural gas, the second most heavily consumed energy source in the U.S., can save money, but you can also save money by choosing the best insurance.

Talk to several insurance companies about your car insurance and don’t forget to ask about bundling options and features you could give up for a less expensive plan.

Ask About Discounts

There are plenty of discounts you could get on your insurance rates, but you probably have to ask. Carriers often offer discounts for certain payment plans or even depending on the safety levels of your vehicle. You could also benefit from student discounts, accident-free discounts, and even new customer discounts.

Additionally, most states offer discounts on auto insurance if drivers take a defensive driving course, which is something to consider. Depending on the carrier you’re meeting with, they may not tell you about discounts upfront. So make sure to ask and explore all money-saving options.

Choosing car insurance is not a decision that should be made hastily. So keep these tips in mind, take your time, and you’re sure to find the best insurance for your needs in no time.