These days car insurance isn’t optional. Not only do 48 out of the 50 states make it mandatory to have minimum car insurance policy amounts in place for drivers, this coverage keeps you safe each and every time you sit behind the wheel of your vehicle.

Auto insurance for drivers is very much needed, however it can be costly if you are not taking the time to compare quotes on car insurance policies and find the best insurance providers offering coverage. No two insurance companies offer their coverage at the same rates, and in order to find the company that provides all that you want and need, you will need to do a few simple things. Check out these 4 things to do before purchasing an insurance policy and you will be able to get the coverage you need at a low price you want to pay.

Comparisons are Essential

Comparisons are easy to do these days, and with them you can save more money on your premiums than what you could ever imagine. These comparisons are free, and can be obtained online or over the phone, with the chance to save you hundreds of dollars per year on the cost of your insurance. Some web-based comparison sites allow you to compare affordable quotes from 10 to 12 companies all at the same time, for faster comparison service.

Take Advantage of Discounts

Money can be saved when you utilize the many discounts offered by car insurance agencies. Common discounts are between 10 and 40% off on your premium costs, and include safe driver, multi-policy and more. If you are not offered a discount, be sure that you ask for them. You never know just how you could be saving money from just one discount.

Stay Safe

The easiest way for getting the best rates on your auto insurance coverage is by driving safe on the roads. Every single accident or driving ticket on your driver record can cause your premiums to skyrocket in price due to higher risk to the provider. One infraction has the potential of sending your payment up by as much as 30%! That’s a big amount especially when considering it is your cash being spent.

Get only what you Need

It is easy to be talked into adding more policies or getting higher coverage amounts, even when they aren’t really going to offer you any benefit. Sticking to your guns and not allowing an agents persistence to wear you down will ensure that you walk out with exactly what you want and need- nothing more, nothing less, and more cash in your pocket.

As you can see getting cheap car insurance quotes isn’t hard to do whether you want a 12 star insurance plan or simply the state requires coverage. Make sure that you do all that you can to keep prices low and affordable keeping more cash in your hands.