Ask any person about what the perfect insurance policy for them would be like and the vast majority of them will definitely answer "cheap". Sure, they all want the policy to be adequate to their requirements and to cover their needs to a reasonable degree. But if there's a single thing all people want with their insurance it's for the insurance to be at least affordable if not cheap.
There are many ways to obtain cheap auto insurance, and it doesn't take an insurance professional to use them. These are perfectly legal methods any person can use to their advantage in order to lower the price of their policy. Lowering coverage limits and shopping around are definitely the most popular methods that car owners employ on a regular basis, but they are not the only available. People often overlook the benefits provided with discounts, believing that they are very hard to obtain, which isn't true. Discounts are quite easy to get if you ask around for them and certainly no one will charge you for doing that. But if you actually get your hands on a good discount you may end up having both cheap auto insurance and a very decent policy on your hands. So what are the discounts that a person can usually get from different providers?
One discount that you will surely find with just any insurance provider is the no claims discount, which is granted to those who haven't filed a single claim over a period of several years (usually 3 but sometimes 5 as well). It's relatively easy to get but certainly easy to lose if you end up in a crash and actually need the coverage.
Insurers often reward clients who stay with them over a long period of time, so loyalty discounts are quite common. Just make sure you stay with the same provider over a course of several years to get your chance of cheap auto insurance.
Fewer miles driven mean lower risk of accident, insurers know this very well. So if your early mileage doesn't exceed 10,000 miles (15,000 or 20,000 with some companies) you can easily obtain a very sweet and useful discount.
It's not uncommon to have two or more cars in the household, and sharing coverage among them is a very simple risk management tool. That's why covering two or more vehicles with the same policy usually delivers a discount that makes it cheaper than buying separate policies for each car.
Large insurance companies that render various types of insurance services usually offer good discounts to those who are buying different products from them. For example, if you buy car insurance from the same company you already have your house insured with, you will likely get cheap car insurance.
Most insurers tend to have a certain degree of social responsibility towards various groups that are financially vulnerable. These usually include seniors, veterans, college students studying away from home, workers of the military, disabled and other groups. Make sure to inquire about a possible discount if you belong to such a group.
Many insurance companies offer affiliate discounts to members of organizations such as credit, trade unions or interest clubs they have an affiliation with. So ask if the organization you make part of can offer a discount with a particular insurer and get a chance to obtain cheap auto insurance.