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With the ever rising costs associated with driving, it is always nice to save money whenever and wherever you can. Unfortunately it is hard to find cheap car insurance that doesn't skimp on quality and service. Usually in life, you get what you pay for and car insurance is one area of your life that you really can't afford to have mediocre coverage. The last thing that you want is to get into a car accident only to find that your deductible was higher than the damage done to your car.

Finding cheap car insurance doesn't have to mean you compromise where quality is concerned, but it does mean you have to do your homework to assure that the coverage you receive is adequate to all your needs.

The first step in finding cheap car insurance is to compile a list of all the discounts you could be eligible for. Are you a good student? Do you have a safe driving record with no tickets or accidents? Are you married or over the age of 25? Do you live in a location that traditionally receives lower insurance rates? So you have more than one car to insure? Have you taken any safe driver courses? Do you have any other non auto insurance needs that can be met by the same agent that insures your car, perhaps making you eligible for a discount? Are you retired? Does your vehicle have safety features such as antilock breaks, airbags, or automatic seat belts? Have you installed an alarm system in your car? Is your vehicle's primary use on a farm or ranch? Are you in the military? Are you driving an economy or hybrid car? Depending on how many of these questions you can answer yes to, the cost of your car insurance can be drastically reduced.

Once you have determined which discounts you should receive, prepare to shop around for the best insurance quote. You can call around to several different agencies and talk to individual agents, or use an insurance search engine online that allows you to input your location, type of vehicle, and the discounts you have earned so it can give you several different quotes from competing agents.

Finding cheap car insurance does take a little bit of work, but with a little perseverance, it is possible to find quality insurance at a price you can afford.