You can find the cheapest car insurance that suits you, if you know what questions to ask when you are getting a quote. A good place to start looking is on the internet, do a search for automobile insurance, make a list of phone numbers from companies that have names you recognize, and call to get a quote from a live person.
When you call the representative if they do not go through a list of questions with you, start asking them what they give discounts for. Most companies will give you a better rate if you have a clean driving record and if you are over the age of twenty-five.
Be sure to ask the agent if they give a lower price because you own a home. Also, ask if the area in which you live will have an effect on your cost. If you live in a high crime area, your cost may be higher. But, if you have an alarm on your car, it will bring the price down a little, no matter where you live.
Another good question is does the company give any discounts if you have a college degree. Some automobile insurance companies assume that you are more responsible if you have an education higher than high school.
If you belong to a credit union, you can get a better rate too. This is on the part of the bank itself and not the insurer. Check with the company that you work for, sometimes you will be able to get into their group and get a better rate.
If you do not own a car yet and are trying to get an idea of rates keep in mind that the type and color of the car you buy will affect the price you will pay. A sports car in red will cost more than a mid size car in black. It is possible to find the cheapest car insurance around, you just have to look around and know what to ask.