1.    Shop around for insurance quotes: If you are keen on getting cheap auto insurance rates, then you need to shop around. Unless you make a comprehensive market research you will not be able to compare and contrast quotes of different companies. Prices vary according to various insurance companies and you need to check what prices are offered to you depending on the amount of coverage that you need.

2.    Select a high deductible: Deductible is an amount that you need to pay out-of-pocket when you file a claim, before the insurance company starts paying off. If you select a higher deductible, then you may be offered low premium rate as the insurance company needs to pay less during an emergency. But make sure that you do not choose a deductible that is beyond your capability.

3.    Look for discount for safety devices: Most auto insurance company offer discount for safety devices installed in a car. If you have a car alarm, anti-lock brakes, anti-theft devices or airbags, you may qualify for discount auto insurance premiums. These safety devices will ensure that your car is not much prone to theft or any kind of road accidents. Thus, if you want to save money on your auto insurance premium, then install anti-theft devices in your car.

4.    Discounts for multiple policies: If you’ve got more than one vehicle, then look for purchasing auto insurance policy for multiple cars. There is a discount for people who insure more than one vehicle from one insurer. Or you may even qualify for a discount if you purchase all kinds of insurance from a single insurer. Look for such discounts.

Thus, if you’re a car insurance shopper, then consider the points mentioned above in order to save money on your auto insurance policy. Shop around to get cheap auto insurance rates.

Getting an insurance quote is quite easy. Most insurance companies online would give you a car insurance quote. The purpose of this quote is to allow you make a comparison with quotes from other providers. You only need to provide some needed information and to request for a quote. If you want to pay less and save money on car insurance you would need to get as many quotes so that you can compare them. In case on an eventuality, you would be entitled to the same compensation no matter the amount you paid for the insurance cover. It is thus money-wise to buy the cheapest car insurance you can get. To do that you need to compare quotes from various providers.

There are several factors that should determine how you compare quotes, and the best provider to select. However, the most influential of these factors is the price or cost of the policy. Getting a slightly cheaper quote can translate to a substantial amount saved over time. When comparing various insurance quotes to chose a provider you thus would want to go for the cheapest.

The comparison website has identified a rise in the number of workers being asked to use their personal cars for business use, without necessarily warning them of the car insurance implications.

Found that 72 per cent of UK workers have used their own car for business use in the last 12 months, but only 35 per cent do not have business cover included in their car insurance policy and therefore risk driving without sufficient protection.

Whilst workers are usually covered for commuting, they would need to extend their policy to cover using their car for purposes directly linked to their job other than getting to and from work.

Some of the business events that workers have used their cars for include travelling to training courses, going to the bank or post office on behalf of their employer, driving to another office or attending company away days.

If employees were to have an accident while driving for work purposes without adequate insurance, they might find themselves having to pick up the bill for any repairs and third party claims.

As with any purchase, it is smart to shop around, compare quotes and see what best suits your needs. The internet has simplified this process, with insurance companies offering online quote questionnaires that are simple to fill out and usually generate a quote amount quickly. These questionnaires are generally the same, asking for age, driving experience, accident history, whether you have been insured before, distance you drive in a year, distance you drive to work, and whether the vehicle is used for business or pleasure.

These questions give companies a basic profile of your driving record, but the questionnaire will ask other things you should not ignore. Be sure to note if you have any anti-theft devices, how many, and what they are specifically. This is less a problem with modern cars, since most come with at least an alarm pre-installed. However, the more anti-theft devices in the car, such as a kill switch, boomerang, even glass etching, can significantly reduce the amount you pay, especially if you live in an area insurance companies consider “high-risk”.

According to insurance.com, the overall car insurance rates rose from $1,810 at the end of 2007 to $1,954 in 2008, they dropped down to $1,803 as of November 2009. The reports further states that November showed lowest car insurance quotes. The decrease followed a .09% decrease from $1,893 to $1,876 between the first and second quarters of 2009.

Sam Belden, vice president of Insurance.com, said: “Car insurance rate decreases in 2009 came as a relief for many consumers. We expect rates to hold steady or continue falling as we enter 2010. It’s a great time to shop for insurance.”