No matter how cheap our car insurance is, we always wish it could be even cheaper. At times it is easy to fall into a trap and think there is no way to get cheaper insurance. This article provides 10 such methods that can make your car insurance cheaper.

You can use this link to get a free insurance quote in seconds (this form only requires filling 2 pages of relevant details, and afterwards you will get a quote).

 
First, even though this may seem obvious, you should examine your existing policy and remove everything you don’t need. It’s possible when you got the initial insurance policy, you had a different perspective on things which has changed since.

 
Second, if you have children living far from home, there is no need to include them in the policy. This will already save you a bundle. Effectively, this is an extension of the first item, since when you originally created the policy, your children might have been living at home.

 
Third, if you have several vehicles, find out whether you can consolidate them with the same insurance provider: this is bound to get you a discount.

 
Fourth, find out whether there are any special discounts you are eligible to. i.e. non-smoker discounts, car/home policy discounts. Check out this special discount article.

 
Fifth, if your car is worth below a certain value (for example, when it is a very cheap car or it is very old) then it may be a good idea to drop the collision coverage. Over a long period of time, the amount you would pay your insurance provider for this may might go far beyond the worth of the car. Please keep in mind that this involves some risk (remember murphy’s laws): it is possible to get into an accident a day after removing this item from your policy.

 
Sixth, try to view your life from the perspective of an insurance provider. For example, if you recently changed your address, or you’re planning to relocate, your insurance premiums may be adjusted accordingly. This could be a result of moving to a new, riskier neighborhood (from the insurance company’s perspective). Having this perspective in mind may enable you to make calculated decisions that qualify you for lower premiums.

 
Seventh, this is pure common sense: be much more careful when you drive. Although this is bound to be good to your health, if you’re a reckless driver, your insurance rates are likely to become higher. Particularly in these rough economic times, this might be a good time to play it safe.

 
Eighth, consider increasing your deductible – which will decrease your premium. This can be viewed as having various ‘degrees of insurance’: at the most extreme version your deductible will be worth the value of the car and you’d pay no premium at all – effectively, you have no insurance. At the other extreme, your deductible would be minimal, but your coverage would be at its maximum

 
Ninth, when getting a new car, check with your insurance provider whether this has an effect on its premium. Certain car models, such as sports cars, may have increase the premium. The opposite is true as well: cars with smaller engines often have smaller premiums.

 
Tenth, and most important, , this cannot be emphasized enough: make sure you obtain quotes from several difference insurance providers. This can be done through this website (even this very page!), and is extremely simple to do. One of these policies is bound to be cheaper than the rest. It is important to make sure that these policies are generally equivalent (so there would not be any unpleasant surprises later on).

 
Finally (bonus tip): it might be worthwhile to investigate with the Better Business Bureau whether the insurance provider you’re considering pay their claims in time. Some are more problematic than others