Most car owners stay with their current insurance providers because it’s easier. Although convenient, not using the Internet to search for better auto insurance deals can cost you hundreds of dollars a year! Your current insurance may have been a good deal a year or two ago, but that doesn’t mean it still is.

The only way to determine if you can get a better auto insurance rate elsewhere is to look. Fortunately, this search is easy online; Visit the online websites of insurance providers or use third-party comparison websites. When completing your quote request form, be sure to provide as much up-to-date and accurate information as possible. After getting a few quotes, compare the quality of the coverage and the price.

It’s free and easy to request auto insurance quotes online, so you should. However, you may be able to get cheaper insurance without changing insurers. You can search for new discounts that were introduced after you signed your contract. On average, you can get discounts for a long-standing good driving record, multiple cars insured through the same company, and low-mileage discounts.

Another good approach is to increase your deductible. This is the money you pay only if you have an accident. First you pay this money and then the insurance comes in. Now, if you have a good driving record, the chances that you will have to pay this deductible are very small. The good news is that your annual or monthly premiums are lower, which means more money in your pocket.

In short, there are many ways to get cheaper car insurance. One of those ways doesn’t involve reducing your coverage just to save money. Car insurance is useless when it doesn’t give you adequate protection.