Car insurance can be an expensive bill for many people each month. Some people can barely afford it, or worse, try to do without it, even though it is illegal to do so. Trying to get really cheap car insurance is something drivers spend a lot of time and effort on. While using a site that offers quotes and comparison tools can be helpful, they are not all created equal. Even if you use such a site, you may not get the low quotes you want.

To get cheaper quotes, here are some tips and “tricks” for getting deals on auto insurance:

• Learn about the factors that affect the types of policies and rates you get. While many factors vary from company to company, there are a few that are always considered: your driving history and history, the age, make and model of the vehicle you drive, the city and state, how often you drive. the vehicle you want to insure, and credit score. Some factors, such as where you live and how old you are, cannot be changed. For those who can, make the best improvements you can.

• Check each and every possible discount. If you have close family members in the military, for example, you could get reduced auto insurance yourself because of “affinity discounts.” In some areas, you can get discounts by taking safe driving courses. Also look for company and site specific coupons.

More tips for really cheap car insurance

• Try to add a more experienced driver with a clean driving record to your policy. If you are under the age of 25 or have a poor driving record, it may be in your best interest to ask a family member with a flawless driving record and more experience to join your policy. If you agree to this, DO NOT let them down or make any mistakes, as being on the same policy as you could hurt your own score.

• Know what to look for when using really cheap auto insurance quote sites. The lowest quote you get may not be the best, depending on what you cover and what you don’t cover. You could end up paying more money in the long run if you choose the wrong type of policy. Understand what type (s) of coverage each quote includes and decide whether or not you really need it, or if there are any that you can do without. On the other hand, make sure you are not missing anything you NEED.

Whenever you think you’re ready to start looking for really cheap car insurance, use a quality, trustworthy website. A site recommended by many people is Esurance. Discounts of all kinds are available, so check to see if you qualify for any of them.

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