Wouldn't you like to get the cheapest car insurance quotes possible? Then you have to shop around to find the best deal. No two insurance company's quotes are exactly the same and sometimes can be hundreds of dollars apart. Whether this is your first time buying insurance for a car and someone has recommended their company or you are renewing a policy and you might have been using the same company for years, it doesn't necessarily make them the best one for you. Auto insurance pricing is changing all the time due to strong competition in this market and is based on your individual situation. Each insurance company has its own ways of determining the risk they have insuring you and therefore inevitably how much they will charge you for their coverage. It used to be that you had to call around to each insurance company and wait for someone to get back to you with a quote and of course a sales pitch or you had to make an appointment with a local insurance broker and find the time to spend with them. But today with easy access to the internet you can get instant quotes from a wide choice of companies that cover where you live, usually from just one web site, at any time of the day or night, all from the comfort of your home or office. This is a great way to save you time and makes it so much easier to do comparison shopping. It's as easy as answering some questions and filling in some spaces and all without any obligation.

Knowing what types of discounts are available is the second most important thing to be aware of when you go to buy your auto insurance as this also determines how much you will have to pay. I would suggest it be a good idea to have the appropriate information on hand regarding the discounts that relate to you before you start your search. I must warn you though that you need to make sure you are honest with all of your answers as believe me they have their ways of checking it if you are in an accident and if you have not told them the truth they can and will nullify your insurance policy and you will not be covered. It is not worth taking the chance to save a few dollars now because it could cost you tens of thousands of dollars or more if you have an accident and your insurance is canceled.

Most companies offer discounts if you are an "Experience Driver" meaning the more years you have driven the better. Age discounts are a part of this discount category and are being offered by many companies for those over a certain age who have a safe driving record. Another one is if you are "Conviction Free" which means they will calculate your premiums based on how many tickets, driving infractions you have received and if you have been in any prior accidents. Of course the less of these the better and how long ago they occurred is taken into consideration. Your driving habits are very important.

How much you drive is an important factor you should be aware of as the insurance companies look at this when determining the rate you will pay. They have their accident statistics to work with and so they know that the less you drive the less likely you will be in an accident. If you take the bus to work and only drive on the weekend and week nights than you are considered an occasional driver and this could reduce your premium. Also where you drive is important as they will take into consideration if you drive in a city or in the suburbs. It will be more expensive if you drive in the city and will also depend on what city you live in. Driving your car for pleasure and/or business is one more key thing that is factored into your policy and how much your premium will be. If you only drive to and from work each day then your premiums will be calculated differently then if you drove your car all day for work. So if you use your car to drive around to visit clients or make deliveries on a regular base than the cost will be much higher. You should calculate how much time you spend driving for pleasure and/or to go to work and have that information available. The more accurate you are the better. The best way is to keep a record of how many miles in a week or month you drive for pleasure and how much for work so that the insurance company can calculate the percentage of driving you do for both. Sometimes the time of day you do your driving to work if you don't drive during normal rush hours can be helpful too and so it can't hurt to mention it if you are in this category.

Once the insurance company determines who you are, your driving record and habits, they will calculate your insurability and adjust the costs for covering you accordingly. All that remains for them is to look at the type of vehicle you want to insure, how old it is and what type of coverage and deductible you want.

I hope this was helpful. Remember the best way to get the cheapest car insurance quotes is to go online and get all of the quotes you need so you can compare them to each other. Then you can customize the deductibles to fit your specific needs and budget in the privacy of your home or office. Once you have found the lowest quote, you can then contact that particular insurance company and discuss any further options or discount programs they may have available to you. This will save you time and could save you a lot of money.