Looking for cheap insurance? Auto insurance, life insurance, health insurance. The insurance industry is big business these days as there are a lot of things that can go wrong in life. So there are a lot of different coverage plans that people can get to provide their insurance needs. And everyone needs some kind of insurance these days, whether it’s for your car, your life or your health. So let’s take a look at the business of insurance as it stands these days and how to save money getting coverage.Everyone needs car insurance as it is required by state law in every state of the union. No getting around auto coverage as every state wants to protect it’s citizens from being injured by reckless drivers. While you probably do not drive your car recklessly, state law doesn’t know that so it requires everyone to get car insurance to protect everyone from the few reckless car drivers that are on the road.Life insurance is important for anyone with a family, as you want coverage for your family if you should not be able to provide for them. If one of those reckless car drivers should hit your car, you may need life insurance to provide financial coverage. Or you may need health insurance coverage to provide the funds for expenses incurred nursing you back to health. The car insurance that the other driver has is supposed to provide coverage for you, but not every car driver obeys the law by obtaining coverage, and even so, a settlement can be tied up when you need it right away. So having your own life and health insurance coverage is the safe way to take care of your own insurance needs.So, how you do save money on insurance rates? One way is to get an online quote for your rates. Online quotes are plentiful nowadays, and there are even web sites like esurance that are set up just for the business of letting you compare quotes. Whether they are auto quotes or life quotes or health quotes, esurance takes care of finding quotes from every insurance business that it can find and providing them to customers. So esurance is one of the best online sites for finding cheap quotes on all kinds of insurance. If for some reason you can’t find the quotes you want at esurance, the insurance business is so competitive these days that most companies have a web site that lets you compare quotes with other companies. So, the online route to finding cheap insurance quotes is still an excellent way to go.Cheap rates can also be obtained by getting multiple quotes from one company. If you have more than one line of business with an insurance company, e.g. auto and life insurance, then you often save money over getting that coverage from two companies. So keep this in mind when comparing rates online, as you’ll want to look at the rates for multi-line discounts.