A person who already has an insurance policy will not normally normally ask his current insurance company if there are ways his insurance premium can be lowered. This is because many people make the common mistake of assuming that because they got a cheap insurance last year they will get a cheap one next year.

There really are a few methods that can save money on your car insurance if you are going to buy car insurance online.

#1 Increase your deductible. Ask your insurer what the cost will be with a higher deductible, it may a lot cheaper. Make sure you can afford the deductible though. The last thing you want is to have an accident and discover you cannot pay for this and you will either have to take a loan or leave your car un-repaired.

#2 Examine your current policy carefully. You may be paying a high deductible without even realising it and can get the same insurance cheaper elsewhere. Some insurers automatically put a deductible of several hundred dollars on your insurance if you are a young driver.

#3 Some insurers offer discounts by occupation. Shop around and see if you can get a cheaper insurance based on what your job is. Even if you are a student you may be able to get a discount. Insurers offer students discounts in the hope they will carry on taking out insurance with them when they get a job.

#4 Use the internet to get an insurance quote. This will give you the best price by far, be careful of any insurer on the internet that tells you to call them for the best price. This is usually a ploy to get you to on the phone to a sales person.

#5 Use an insurance comparison site on the internet, these will usually get quotes from hundreds of companies in just a few minutes and can save you days of phone calls and sales pressure as well as saving you money.

The first step is go on the internet and find the best quote you can. Then contact your current insurer and ask them to match it. Most of the time they will not try to and you will know you have found the best place to buy car insurance online.