Insurers look at a variety of different factors when they consider whether or not to offer you cheap car insurance. While some of the variables are out of your control, such as your age and sex, there are many different things that you can do to put yourself in a stronger position to find the lowest premiums.

For starters you can learn everything there is to know about insuring your vehicle. When you go to buy a policy, there are many different coverage options for you to choose from. Depending on what type of automobile you drive and your needs, you may choose to carry or not carry certain coverage options which have an impact on what you pay in premiums. For instance, if you drive an older model vehicle that does not have a lot of value to it, you may opt to pass on purchasing collision and comprehensive coverage. By avoiding these coverage options you may bring yourself one step closer to finding cheap auto insurance quotes. On the flip side, if you have a new vehicle that is financed or leased, you are probably going to be required to buy collision and comprehensive coverage which will make your policy more expensive.

Two doors vehicles are usually more expensive to insure than four door model cars. Two door models are typically targeted for theft and vandalism more than their four door model counterparts. Furthermore, drivers of two door sports cars tend to get into more accidents than drivers of four door model sedans. Luxury cars are usually more expensive to repair than economy models when they are damaged. Thus, if you want to get a cheap auto insurance quote, choose your vehicle wisely. By making a wise selection on your automobile purchase, you can do a lot to reduce your premiums.

If your vehicle comes equipped with antilock brakes, airbags, and or factory installed automatic seatbelts that may put you in a position for further savings. The safer your vehicle is, the less expensive it is going to be to insure it. Furthermore, if your automobile is equipped with anti theft devices such as an alarm or a theft recovery system you may qualify for additional reductions in your premiums. The less likely your automobile is to get stolen, the more likely you will be to find a cheap car insurance quote. Moreover, if your vehicle is stolen, and it is easy to recover it because you have a theft recovery system, that too could put you in a position to save additional monies.

Your prior driving record is also closely reviewed when you go to insure your vehicle. If you have managed to avoid accidents and moving violations for the past five years you could qualify for a safe driver discount. This is probably the most substantial discount of all. Insurers look at your driving record as a indicator of what you are going to do in the future. If you have avoided accidents and moving violations in the past, an insurer will look at that as a positive indicator that you will also avoid accidents in the future. By maintaining a clean driving record for a five year time period, many insurers will reward you with cheap car insurance rates for doing so.

Driving less than 10,000 miles a year could also help to put you in a position to take advantage of a low mileage discount. Insurers recognize that if you spend less time behind the wheel, you have less opportunities to get into an accident. Therefore, if you make sensible reductions on the amount of miles you drive each year, you may qualify for further savings.

Owning a home is also great way to reduce your premiums. Many insurers will offer you a discount on your automobile policy simply because you own a home. The reason for this is that homeowners tend to buy more insurance products than those who do not own homes. Bundling your homeowners policy with automobile policy should also help you qualify for further reductions which will bring you closer to finding cheap auto insurance rates. If you do not own a home but have a renters policy, you can bundle your renters policy with your vehicle policy so that you can still take advantage of a bundling discount.

By maintaining continuous coverage on your vehicle you may qualify for the continuous coverage discount. The reason insurers offer this discount is because drivers that maintain continuous coverage are less likely to get into accidents than drivers who let their coverage lapse. Another way to help increase your probabilities of finding cheap auto insurance is to pay for your policy in full if you are in a position to do so. Most insurers will offer you a discount for paying for your policy in full rather than making monthly or quarterly payments.

Lastly, one of the best things you can do to find low premiums is to dedicate the time to shop around and do price comparisons. Almost all of the major insurers make it possible for you to compare prices on the web. The internet makes it very easy for you to conduct your search. And with the advent of price comparison portals you can get rate quotes from competing companies on single website without having to go from page to page to page. Finding cheap car insurance online is now easier than ever. However, just because the technology makes it very easy for you to get the information you need, that does not mean you should get complacent. You still have to do the work. The reality is, the more time you dedicate towards your search, the more likely you will be to find the coverage you need at the price you desire.