There are a ton of companies offering cheap auto insurance, but how do you know it’s really cheap? And how do you know the insurance company is reliable? Here’s how to get the cheapest auto insurance online with a reliable company.

Comparison Shop

Finding the cheapest auto insurance online is a matter of comparing rates from different auto insurance companies. You can spend hours of your time calling local agencies or visiting insurance company websites to get auto insurance rate quotes, or you can spend a few minutes at an insurance comparison website where you can get multiple quotes from top companies.

All you have to do to get your quotes is fill out a simple questionnaire with your insurance information and the amount of auto insurance coverage you want, then wait to get your quotes.

The best insurance comparison sites feature a chat service that lets you get answers to your insurance questions from an insurance expert. They also have an Articles section where you can get money-saving tips and information. (See link below.)

Check Ratings

When you find an insurance company with the best rate, make sure you check it out to see if it’s reliable and will provide you with good customer service.

You can check out a company’s financial rating at A.M. Best’s website – ambest.com. And you can check out a company’s customer service rating at J.D. Power and Associate’s website – jdpower.com.

Increase Your Deductible

The deductible is the amount of money you must pay before your insurance company will pay your claim. Make sure to get the highest deductible you can afford, because the higher you set your deductible, the cheaper your insurance premium will be.

For example, raising your insurance deductible from $250 to $500 could save you up to 30% on your premium, while raising it to $1,000 could save you up to 50%.

Ask for Discounts

Insurance companies offer numerous discounts. Some of these discounts include:

* Multiple policy discount for placing your homeowners or renters insurance and your auto insurance with the same insurance company.

* Safety and security discount for having burglar alarms, ant-theft devices, airbags, and anti-lock brakes.

* Low mileage discount for driving less miles than the average driver.

* Safe driver discount for having an accident-free driving record for three straight years.

* Senior discount for being over the age of 50.

Before you purchase your auto insurance, ask your insurer about all the discounts they offer and take advantage of all the ones you quality for.

Where to Get Cheap Rates

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap auto insurance quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.