It isn't easy to find a car insurance offer that's adequate and yet affordable. Not if you choose to use conventional methods to look for such a deal. Cheap auto insurance though, is not a myth. It certainly does exist, if you will adapt the methods you use to the way things are done today.
Of course, you are going to have to shop around for the lowest rate. That's what all those online quote calculators for cheap auto insurance are there for. You mustn't think that since the car insurance companies are all competing with each other all the time, that they won't dare give you a price that's higher than anyone else. They do try to get away with what they can. Unless you're actually using a quote generating tool that compares one company with the next, they assume that you are too careless to check. And they will just quote you a high price.
Do yourself a favor and go comparison shopping. And even if you don't, at the very least, don't just renew your current policy. Instead, ask the company directly (and not the insurance agent) what kind of deal they can offer you now. They constantly change their pricing and they never tell you about it until you ask.
A lot of people think that a good way to get cheap auto insurance is to simply buy less of it. While that might be good for your wallet over the short run, it can be a very bad idea over a period of time. You don't want to leave yourself open to the consequences of a car theft or an accident. It could be devastating what being out so much money can do to your life. You don't want to be penny wise buying exactly the right amount of coverage is always a good idea.
Choosing a higher deductible can certainly be a reasonable way in which to get cheap auto insurance. But you don't want to go too far shaving every dollar off your premiums. Sometimes, a $20 addition to your premium can buy you a great deal of protection.
Often, the insurance quote calculators that you see online, get their rates from insurance agents who are local to your area. Instead of going to those calculators, you could cut them out and go directly to your local insurance agent. Usually, you'll get better rates, personalized service and service that's more meaningful to you. They'll probably have better ideas for what insurance company you should go to have your car serviced at the shop of your choice.
You mustn't underestimate how important discounts are. Your cheap auto insurance rates don't just come from cheaper rates right away. Often, you get a discount on top of the price that's published, the could really make a difference. If you own a home, to drive not very much every year, if you have an AAA membership all these things will qualify you for a discount.