"Rates are constantly changing Shaquille ONeal Jersey , much more so than the average consur would realize," Adams said. Researchers said they couldn't identify any single ftor driving the variability. Complicating matters was the ft that the patterns vary ross states; although December was the cheapest month nationally on average, it was the most expensive month in 11 individual states."There are multiple ftors that make rates variable," e said. "We can't pinpoint any one."Nationally, December was the most affordable month to buy, with coverage 8% cheaper on average than policies purchased in March Steve Nash Jersey , the most expensive month.Related: Small cars get crued in cra testsAdams said the findings underscore the importance of opping around and looking out for better deals than the one you've got. InsuranceQuotes has a free calculator on its website to help drivers evaluate their options.This is the first year the study has been conducted, and InsuranceQuotes senior analyst Laura Adams said it's "very difficult at this point to take away any patterns."That's the takeaway from a yearlong study released Thursday by InsuranceQuotes., which found that the cost of car insurance can vary by up to 48% depending on what month it's purchased.NEW YORK (CNNMoney)The price swings were much larger in many individual states. In Hawaii, it was 48% cheaper to buy in December than in March, the study found; in Pennsylvania, December was 34.5% cheaper than the most expensive month Kevin Johnson Jersey , April. It pays to op around for car insurance. First Publied: January 30, 2014: 1:29 PM ETVaried pricing patterns in different states are to be expected since insurance is regulated at the state level, analysts said. In addition, since climates vary by region, carriers in different states experience surges in weather-related claims that can raise costs at different tis.December is likely the cheapest month in many ples because rate increases and inflation adjustnts often take effect once the new year begins in January.

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