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Step 1
Check your deductibles. If you want to find a cheap car insurance quote, be prepared to take on a little more out-of-pocket expense per claim. The higher you raise your deductible, the cheaper your car insurance becomes. The insurance company rewards its policyholders for absorbing more of the per claim cost.
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Step 2
Take a safe driving class. Insurance companies look upon safety driving classes favorably. Before taking a class, however, make sure it's offered by an organization recognized by your insurance company. Ask the insurance agent for a list of acceptable safe driving course providers in your area.
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Step 3
Pull your credit report. Look at what the insurance company is going to use as part of the rating process. If you have stellar credit, your chances of finding a cheap car insurance quote increases. Insurance companies charge higher premiums for policyholders with poor credit reports.
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Step 4
Contact your homeowner or renter's insurance company. If you currently have insurance for your home or apartment, you'll get a cheaper auto insurance quote by placing it with your existing company. The insurance company is in a position to offer a multiple line insurance discount because you have more than one line of coverage with it.
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Step 5
Get quotes from more than one insurance company. The best way to determine whether or not you found a cheap car insurance quote is to compare at least three quotes against each other.
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