Getting the cheapest auto insurance is a four part process - 1. getting the best rate, 2. increasing your deductible, 3. getting discounts, 4. eliminating unnecessary coverage. Here's how to do it.

Getting the Best Rate

In order to get the cheapest auto insurance you have to check out rates from a number of different companies. The quickest and easiest way to do that is to go to an insurance comparison website where you can get multiple quotes from different A-rated companies.

I recommend going to LowerRateQuotes.com where you also talk with an insurance expert online to get answers to any questions you may have, and get advice on how to lower your premium. (See link below.)

Increasing Your Deductible

Increasing your deductible - the amount you pay toward an insurance claim before your insurer will pay - can save you as much as 50% on your insurance premium. It not only saves you money, it also prevents you from making too many claims which can cause your insurer to cancel your policy.

Getting Discounts

Insurance companies offer all kinds of discounts. Some of these include:

* Safety discounts for having anti-lock brakes and air-bags on your car

* Security discounts for having car alarms and other anti-theft devices

* Good driver discounts for maintaining a safe driving record

* Low mileage discounts for driving less than a certain number of miles

* Location discounts for living and driving in safer areas of the country

* Senior discounts for being 50 years of age or older

* Driver's ed discounts for taking a driver's education course

Ask your insurer to include all the discounts that are available to you.

Eliminating Unnecessary Coverage

If you're an AAA member you can drop towing coverage. If your credit card covers rental car damages you can drop rental car repair coverage. And if you have medical insurance, consider dropping your medical coverage.