To get cheap car insurance, follow these expert tips:

• Shop around and compare quotes from multiple insurers, including major companies and smaller regional ones, as rates vary widely by provider and location

• Ask about discounts such as safe driver, multi-policy bundling (e.g., combining auto with home insurance), insuring multiple vehicles, paperless billing, paying premiums upfront, safety features on your car, membership in professional groups, military status, good grades for students, and completing defensive driving courses

• Choose the right coverage level and only pay for what you need. Avoid unnecessary extras that increase premiums

• Increase your deductible to lower your premium, but be sure you can afford the higher out-of-pocket cost if you file a claim

• Maintain a clean driving record and good credit history, as both significantly affect your rates

• Consider usage-based or pay-per-mile insurance if you drive infrequently, which can lead to substantial savings

• Pay annually rather than monthly to reduce overall costs

• Keep your car safe and secure with anti-theft devices and park in safe locations to qualify for safety discounts

• Watch your mileage since lower annual mileage typically results in lower premiums

• Avoid auto-renewing without checking rates each year, as better deals may be available

Applying these strategies can help you find the lowest possible car insurance rates without sacrificing necessary coverage