The techniques that follow will maximize your chances of getting cheap car insurance. Some of these ideas you may be able to use other you won’t, but using any of them will help.

1. Get Rate Comparisons: This is one of the simplest ways to get lower cost insurance. Insurance companies offer different prices, so check as many companies as you can for quotes.

2. Don’t Make Monthly Payments: Making monthly payments is usually the most expensive way to pay for a policy. Try to pay the policy in full or in two payments if possible to save the most money.

3. Use Electronic Withdrawal: Most insurance companies are now charging to process paper bills to you. You can avoid these fees by having the insurance company electronically withdrawal the funds from your checking or savings account.

4. Don’t Wait Until The Last Minute To Buy: Certain companies will give you a discount if you get your insurance quote more than 7 days prior to the policy start date.

5. Credit Scoring: Most insurance companies have gone to insurance credit scoring. This takes many more factors into consideration than just your credit score, but your score still makes up a big chunk of it. If you can raise your credit score you will most likely pay less. There are companies that if you refuse to give your social security number they then can’t run a credit analysis. Then they will give you a general rate which might be good if you know you have bad credit.

6. Take A Class On Drivers Training: The class isn’t usually free but you get a discount for up to 3 years. You can take the class again after the three years and the cost of the class is usually less than your first year discount associated with it.

7. Raise Your Current Collision Deductible: You can easily save 100 dollars by raising you deductible from 500 to 1000 dollars, but understand you are now responsible for the first $1000 worth of damage to your vehicle. Your other than Collision deductible( Comprehensive) isn’t worth increasing because the savings would be minimal.

8. Ask About Other Discounts: There are multiple discounts that you might not be receiving. A multiple car, multiple policy, good driver, good student, safety device and many more, so ask to make sure you are getting all the discounts available.

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