Cheap car insurance quotes can make a huge difference in the cost of insuring your vehicle. Shopping around and comparing quotes can result in savings of up to hundreds of dollars per year. Cheap car insurance quotes are available from a variety of companies, so how do you choose the best one? Knowing what coverage you need and comparing a variety of providers will give you the best chance of finding the lowest price.

First off, know exactly what type of coverage you require. Different states have different laws with regard to required auto insurance coverage. Some also have supplemental coverage for higher limits and other options. Having an understanding of what is required and what you need based on your driving experience and type of vehicle will help you hone in on the best quotes.

When looking for cheap car insurance quotes, look for companies that offer discounts. Certain insurers are known for offering discounts if you bundle multiple policies, such as home and auto, while others might give a discount if you insure more than one vehicle with them. Others offer discounts if you are a safe driver, have taken a defensive driving course or meet other criteria.

Another way to get a good deal is to comparison shop. Researching car insurance companies and comparing their prices can help you locate the cheapest quote. Ensure that you are comparing apples to apples meaning that the coverage you are getting for the price is exactly the same for each company. That’s why it’s important to know what coverage you need before you start shopping.

Finally, it pays to call and ask. Speak to a provider's customer service department and explain your situation. A representative may be able to provide you with special discounts or pricing for your particular situation. It also helps to negotiate as some companies may be willing to lower their price in order to get your business.

With a bit of effort you can easily locate a cheap car insurance quote that will suit your budget and your needs. Knowing what coverage you require, researching companies and comparing quotes, taking advantage of available discounts and negotiating all help to ensure that you get the best value.