When you first apply for cheap auto insurance, you will be required to answer a lot of questions in order to receive auto insurance quotes. All of the information that the agent collects from you will be used to figure out your premium. Though you may do some shopping on the Internet in order to find the most inexpensive company, the rates that you receive in the beginning will most certainly change. You will be asked about what make and model of car that you have, any of the safety features that are included in the vehicle, and of course, about your driving habits. The agent will need to know about the distance that you typically drive over the course of a year and if you have a satisfactory driving record. They will want to know about any tickets that you have received or any accidents that you have gotten into over the past few years. The price that you will have to pay for your premium is also dependent on the age of all of the drivers that will be using the vehicle and the area that you live in. So, as you can see, there are a great many factors that will be considered when the agent is figuring out your premium.
You can also save a substantial amount of money on your insurance if you have your life insurance and homeowners insurance policy through the same company that you are obtaining your car insurance through. You can save even more if you have more than one car in the home on the same policy. Finally, if you are a student and get decent grades, as well as if you have attended a driver training school, you can receive even more discounts. The many different auto insurance companies will offer you various discounts, and you can maybe get more of a discount depending on the company that you choose. They are all different in how they figure out their discounts and rates, so you will need to do some shopping around to find the best premium.
Once the agent has figured out the premium that you will have to pay in order to have insurance, you may be able to obtain cheap auto insurance because you will without a doubt qualify for at least a couple of discounts. You will obviously receive a discount for not having any accidents or tickets in the past few years. You can also obtain discounts if your vehicle has safety features installed in it such as anti-lock brakes and a car alarm.