Cheap car insurance is easier to find these days than ever before
. Anyone that is still using the same insurance carrier they have had for years and hasn't shopped around is just being silly. There isn't a huge difference in the quality between many companies, so paying more than you have to is a little ridiculous.
One of the reasons that it has gotten so cheap is because there are so many more companies out there these days. These companies are sometimes huge international companies, but many are fairly small. The size of the company may not matter when it comes to price though.
Another reason that there are so many cheaper plans now is because of the fact that accidents are actually down. To people that commute every day and see accidents all the time, this may not seem true. But the fact of the matter is that accidents are down, which means insurance has to pay out less, which means they can offer plans at lower prices.
Cars are a lot safer these days as well. This is a good thing and a bad thing for insurance companies. It is good because it means they have to pay out less personal injury claims. It is bad because the cars are safer because they are more easily crumpled when they are hit, making it more likely large sections will have to be replaced even in slow impact collisions.
The best way to save money is to search online. There are a bunch of places that offer money saving offers. They also show comparisons to other insurance companies so you know how much other people in your situation are paying.
Checking with friends and family can be a good way to get a bit of a comparison as well. The problem with this is that everyone's driving record is different. There really is no way to know if someone has a higher rate because they have a bad plan or if it is because they ran into a parked police car at some point in their past.
Getting cheap car insurance isn't something that you have to be savvy to do. Just sit down at a computer and look around for a little while. Chances are you'll find a cheaper plan than you have within a half hour. The best case scenario is that you will find out you are already paying the least amount you can for insurance, and that is not a bad thing to find out.