It’s possible to get cheap car insurance by shopping around, and by using one of the online comparison shopping sites. The amount of your premiums is determined by several factors, such as where you live, the number of miles driven, and the type and age of the car. And of course, your overall driving record also affects the cost of your auto insurance. In fact, if you have been accident-free with the same insurer for several years, simply call them and ask for any discount or lower rate. Driving a vehicle with safety features will help to lower rates, as will taking any type of safe or defensive driving class. And if you have homeowners insurance too, bundling both policies together with the same insurer can lower your premium amounts. Finally, don’t get more insurance than you actually need, which may mean dropping the collision coverage for an older car.