How can you get the cheapest car insurance policy that's available in the market? Just by keeping account of very simple things and be well-versed with the basic understanding of insurance process. So if you do what's required, not only will you get the cheapest car insurance, but you'll also get maximum policy coverage to go with it.
Going through the market is the first very important thing. You can choose to do it in person or simply use the Internet to fill out the online applications form. Once you get your arms around the required information and quotes, simply do an apples-to-apples comparison to know the deal that's best for you.
After selecting the insurance provider, check for any and all discounts that you qualify for. You have to make use of the fact that being in a highly competitive insurance industry all providers dearly value your business. There are some standard discounts and some company-specific discounts. For instance, some companies will simply discount you for getting multiple insurances from them. Also check with your organization if you qualify for some corporate discount.
Install all latest anti-theft devices in your car as it boosts your chances of getting better premium offered. Some companies even offer discount depending on whether you park your vehicle in a garage or openly on streets. You can also get discounted for linking your payments to some automatic payment option such as your credit card.
Another smart tip to get cheapest premium rate is to make yearly payments instead of monthly, quarterly or semiannually. Every company encourages their customers to stay long term with them by offering discounts on yearly premium plans. Finally, the last but perhaps the single most important factor in getting cheapest car insurance is to choose as high a deductible amount as possible at the time of signing up.