How to Get the Cheapest Car Insurance

Get the Cheapest Car Insurance

How to Get the Cheapest Car Insurance. Getting discounts on your car premium quotes is easy if you know how to shop for it. Auto insurance companies offer several discounts if you prove that you are a low-risk driver. Here are some ways to get the cheapest car insurance.

Step 1

Ask your insurance company representative if you qualify for premium discounts. You may get a cheap quote depending on your profession. For example, writers who work from home usually pay a low premium. They drive less and are not prone to hectic life schedules, since they work from home.

Step 2

Learn the art of lowering the quotes. If you choose a residence closer to your workplace, you will pay a lower premium. Moreover, if your home is located in a safe neighborhood (low crime rate), you qualify for a cheaper quote.

Step 3

Consider buying a multi-person policy. You can get coverage for more people under one policy. Put the names of family members under the name of the person who has the best driving record.

Step 4

Renew policies from the same insurance company. Often companies provide discounts on renewals. The moment you establish a driving record with a company, it knows you are likely to get a cheaper quote from other providers. This qualifies you for a lower quote. Moreover, if you had no claims during your previous terms, you qualify for such discounts.

Step 5

Take a defensive driver's course. You will receive a certificate of defensive driving that you will have to submit to your company at the time of application. Taking this course lowers your premium substantially.

Step 6

Submit your report card if you are a young driver studying at an educational institution. If your report card is excellent, you are likely to receive a cheaper quote.

Step 7

Take advantage of being a senior citizen. You may qualify for senior discounts and get cheap insurance.


While these steps will help you receive a cheaper quote, don't forget to shop around for rates to get the cheapest quote. Talk to the agent and ask about every possible discount. If membership to certain institutions or clubs qualifies you to get more discounts, become a member. Maintain a good driving record at all times, and especially stay away from speeding tickets.