To get cheap insurance, especially for car insurance, some key strategies include:

• Shop around and get multiple quotes from different insurance companies or comparison sites. Using at least two comparison sites can maximize chances of finding the lowest price since each site may have different deals.

• Consider using a local independent insurance agent who can get quotes from multiple companies they represent, often providing lower rates.

• Bundle insurance policies (e.g., car + home) to get discounts.

• Pay premiums annually or in full rather than monthly, as insurers often give discounts for this.

• Maintain a clean driving record to be seen as lower risk.

• Increase your deductible or excess, which usually lowers the premium, but be sure you can afford the higher out-of-pocket cost if you claim.

• Consider usage-based insurance or telematics policies that base cost on driving habits, which can reduce premiums if you drive safely and less frequently.

• Look for insurer discounts for taking defensive driving courses or adding an older, experienced driver to a new driver's policy.

• New, young, or high-risk drivers may pay more, so checking specialized policies and discounts for these groups can help.

In summary, the best ways to get cheap insurance are to compare quotes widely, consider bundling and payment options, maintain good driving records, use telematics or usage-based policies, and negotiate with your current insurer to match cheaper quotes found elsewhere.