Does finding cheap car insurance sound like a joke? What if you are looking for cheap car insurance tips and all you keep finding is "drive safe" or "just shop around". Where are the cheap car insurance rates that the car insurance companies keep talking about?

Let's take a look at some of the questions that you might have about car insurance and some of the answers that you could expect to find.

So you've gotten a ticket, will your rates increase? This is a tough question that is commonly asked. The chances are that your rates will increase, possibly 15 and they might stay that way for three years after the ticket.

Are you driving an older car and paying for full coverage on it? You could save money by reducing your coverage, but this is only recommended if you have another means of transportation if something happens to this car. Why? You wouldn't want to decrease your coverage one day, have an accident the next day and not have the coverage to replace the vehicle.

There are many ways to decrease the cost of your car insurance, but there are also a lot of overlooked ways to decrease your costs as well. Did you know that there are numerous discounts for different school alumni groups, civic associations and other organizations that you might qualify for? Also, there are more and more discounts being offered for multi-vehicle policies and vehicle safety features, such as side curtain airbags, electronic controlled ignition keys and more.

You won't know if you qualify for a discount unless you ask. Think of all of the different groups or organizations you could belong to, or what features your car might have that could offer you a discounted rate.

The biggest factor to save money with your car insurance and find the cheap car insurance that you deserve is to research and know what minimum coverage your state requires.