Don't assume that all insurance companies have the same prices. Insurance companies have certain guidelines imposed by the state they're in, but they have a lot of leeway to interpret their auto insurance rates. Because of your particular record, the car you drive and other variables, the cheapest car insurance for someone else, like your parents and neighbors, might not be the cheapest for you.

You can do a lot on your own to make you eligible for the cheapest auto insurance available and that doesn't mean call every agent in the book for a quote (that part comes later). The best way to get the cheapest auto insurance available is to be a good driver.

I know people who scoff at a single traffic ticket. That is, until they get their next insurance bill. One traffic ticket can cost you hundreds of dollars a year, for years to come. So if you like to put the pedal to the metal, back off. Or you'll find that that there are plenty of insurance companies that want you as a client at their new triple lousy driver rate.

You are eligible for the cheapest auto insurance if your carrier believes that you are a very low risk, or likelihood, of filing a claim. Filing claims means you are a greater risk and cost them more money. The good part about insurance companies is that if you save them money by never filing a claim or getting traffic tickets they can pass that saving on to you.

Make sure to update your insurance company every few years about things like family changes and how far you commute to work. As our situations change in life, our insurance coverage, and costs change along with them. Many companies will also give you a better deal if you bundle different types of insurance together, such as homeowners and automobile insurance.

Now you know what you can have, so shop around. Every company is different so it pays to obtain quotes from several different companies and see which is best for you. Ask about coverage discounts and how your rate could change with a different deductible. Safe drivers who rarely need to make claims can usually get by with a higher deductible rate. That way both you and the insurance company are betting on your good driving record.

So it's time to get to work now. A little research on the Internet might save you hundreds of dollars a year and automobile insurance premiums. They're probably not been a volunteer, the lower rates, unless you remind them to. There's plenty of information available today, so there's no excuse for overpaying for your car insurance anymore.