CLEVELAND - February 8, 2010 - Following a trend anyone shopping for auto insurance will want to watch, Insurance.com's RateWatch for Car Insurance found rates rising for the second month in a row.

Auto insurance rates increased nationally in January, rising $23. The lowest average annual car insurance quotes rose from $1,821 per year to $1,844 annually. January's rate jump replaces December's as the largest month-to-month increase since October 2008.

Car insurance rates increased 8 percent in total in 2008, but dropped dramatically in December 2008 and remained relatively level throughout 2009. The increases in December 2009 and January, while not drastic, could signal a shift toward higher rates in 2010.

"It's too early to call it a trend, but it should be a signal to shoppers that now is a great time to shop for car insurance," says Sam Belden, insurance.com VP. "Check that you're receiving all the discounts you're eligible for and compare quotes so you're confident you are getting the lowest premium for the coverage you need - and want."

Did You Know?

Trying to understand auto insurance can be tricky and confusing. Here are 8 ways to help you understand your options.

• Some of the most helpful coverages are the cheapest. Optional coverages such as gap coverage, roadside assistance, rental reimbursement, and comprehensive coverage can provide a lot of protection for a little price increase.
• Many factors can affect your car insurance rate. Each company has many guidelines regarding which groups of drivers they want to accept and how much they will charge those groups they consider a greater risk.
• Insurance prices vary (a lot) by company. Auto insurance is a highly competitive business and one of the most effective ways to reduce costs is to shop around.