Here are a few sure fire ways to reduce your car insurance premium.

1. Take a fresh look at different car drivers' policies before you begin listing out your needs. This helps develop a broader perspective and the insight you get is incomparable in terms of the leverage you get to design your mix of covers for yourself and apart from savings on premium.
2. Write down all the information that you need to provide the insurers with like your marital status, zip code, safety features fitted, details of your family members and average mileage you do every month. Critically analyze each factor against the risk they potentially pose.
3. Specify different covers you need in writing and make sure that the quotes you received do not include what you haven't asked for. For this, list out different health and life insurances each of your family member has in order to strike out unnecessary duplication of the covers under car insurance.
4. Failure to furnish these details leads insurance companies to quote by default a higher auto insurance rate. More the details you provide better are your chances to get all the available discounts that you qualify for.
5. If buying cheap auto insurance is your intention, getting maximum benefit is the goal and so is quicker claims settlement. Begin searching for cheap auto insurance well in advance. This not just avoids last minute compromises but you have enough time to dig into typical claim settlement cases of each company.
6. Designate the main driver to each car you own. Premiums on female main drivers for trucks are lower than male main drivers and it is the reverse in case of a minivan. Don't designate teens as main drivers of sports cars for the same reason.
7. Lower the mileage, greater is the discount on car insurance. In most US states 40 miles per week is the threshold point to avail it. Consider car pooling or taking a bus to office if you are bordering around that figure.
8. Check out the fine prints, hidden charges, delayed payment penalties and the like, for they silently contribute to increase your car insurance bill, no matter whether they were quoted or not. Check out whether defensive driving discounts are available.

Availing cheap car insurance isn't a simple routine matter to ignore. It is not even just about your premium payment. Choose the right mix of covers that gives the best benefit in combination with your life insurance and health insurance.