If you are looking to find affordable car insurance, the best place to start is to get multiple quotes from various insurance companies. You can find a list of some auto insurance companies by clicking here. You want to get multiple auto quotes because you can find better rates and save money, which is your goal right?
I will tell you right now that if you have a poor driving record with multiple moving violations and any DUIs or multiple accidents, it will be difficult to find inexpensive car insurance because the insurance companies will consider you a high risk driver. Your premiums will be much higher than a driver who is considered a low risk.
If you have had any accidents in the past, those accidents will remain on your driving record forever. On the positive side, most auto insurance companies forgive those accidents after 3 to 5 years have past and they won't count heavily against you.
Moving violations do not remain on your record forever but they do take time to drop off. If you are unsure about your driving record, take a trip to your local DMV and find out. Also inquire when certain moving violations will drop off if you have any. Having a spotless driving record will save you a lot of money and it increases your chances exponentially of finding affordable car insurance.
If you already are insured but are still looking for inexpensive car insurance, take a closer look at your policy and see where you can trim costs. This will lower your premiums and you won't have to switch insurance especially if you are happy with your insurance company.
You have to keep in mind that it is the job of the insurance agent to sell you the most expensive package because this is their commission money. If you are unsure what to cut from your policy, just speak with your agent and discuss what are the absolute essentials that you need and get rid of what you don't. If you have full coverage and your car is paid off, you may want to go with basic liability which is required by law. Full coverage is required when you don't own the pink slip to your vehicle.
Another way to trim the fat from your premiums is to increase your deductible. You should consider this option if you have an excellent driving record but if you are not the best driver and are prone to having an accident, then I would rethink this idea.
Another option to saving money on your car insurance is if you have multiple cars in your household. You will qualify for a multiple car discount. Some insurance companies will even allow you to add a non-operational vehicle to your policy just ask your agent if you have a car that is not running. If you are married, you can also add your sweetie to your policy to lower your premiums. When more than one driver is on a policy, this can drive your costs down.
Another big money-saver is knowing how many miles you drive per year. Many insurance companies base what premiums you will pay on how much you drive your car. If you drive your car between 10,000 - 15,000 annually, this can save you substantial amounts of money. When getting an insurance quote over the phone or on the Internet, you should have this number handy.
Many people do not consider this but where you live can dictate how high your premiums will be. If you live in a high crime area, your premiums may be a bit higher than low crime areas. You must also consider the type of car you are driving. If you drive a vehicle that has a high probability of being stolen or broken into like a Honda Civic, a high performance vehicle, or sports car, your premiums will be higher.
The best advice I can give you is shop around for car insurance before you buy, get multiple quotes online. You should know what types of coverage you need. Also shopping online for car insurance will also save you money because online insurance companies do not have a large overhead like physical offices do.
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