There's an easy way to get cheap insurance - scope out the various insurance companies on the web by having them give you simultaneous quotes, and choose the premium that works best for you.
There are plenty of online sites that have portals to most insurance companies.
You need only input your information once - your personal information and the information about the car in question - and you'll get a series of quotes back within seconds.
However, to get cheap insurance, you also need to put some thought into the car you're trying to get covered.
A lot of the cost of the premium depends on what kind of car it is - if it's a brand new model, or a used model.
The more expensive a car, obviously the more money it takes to repair it, and all that is factored into your premium.
You also need to put some thought into your own driving record! If you've already got a poor driving record, it's too late, you're going to pay the penalty in higher premiums.
But if you don't, make sure you safeguard that driving record of yours.
If you need insurance and you can't afford it, there are some ways around this.
First of all, you have to have liability insurance.
That's one thing that the government will not let you do without, and it's a good thing.
If you have an accident and injure someone else, they're going to come after you with lawyers and try to get as much money as they possibly can.
Even if you have a liability coverage up to $100,000, for example, that's not going to stop them.
They'll ask for more and very likely get it, the way today's court system works! But when it comes to your own car, of course, and how you'll be able to repair it should you have an accident, that's a different story.
Heck, if you have a fender bender and don't want to repair that fender, you don't have to!