Have you ever analyzed whether you are paying appropriate premium for car insurance? Here is a simple list to help you to obtain cheap but quality auto insurance. Pull out your insurance and check these rules. This list might help you to save some money.

Top List Change Your Current Car Insurance into Cheap Car Insurance: Use a theft device in a car implies you take necessary protection against car theft. Hence you have minimized the risk. You will get discount for the same.

If you have more than 1 car, there is a chance you get one and other one will be free. You need to check the same with insurance agent. It sometimes happens that you sell your old car but the insurance premium of the other car increases dramatically. You need to be well aware oh these types of special rules. You need to reduce your dependency on your insurance broker.

It is always better to pay annual premium and buy an annual policy instead of half yearly policy.

If you know you are not going to use the car for a long period of time, you should negotiate with your insurance company for alternative insurance for that period. In this case your probability of risk due to any road accident is reduced.

How much you need to drive to reach your office. This is a crucial question to determine your auto insurance premium. Insurance premium depends on the distance you drive daily as it increases the probability of accident of your car.

Many insurance companies offer a good discount on auto insurance for being affiliated with certain organization or companies. You can get this privilege by just having a credit card or being a member of college sororities. It is always better to check the same with your broker.

If you are undergoing financial hardship, you can reduce he basic coverage. Collision and Comprehensive are the first candidates for reducing insurance premium.

Last but not the least renews your insurance in time.