If it’s time to buy auto insurance, you should consider purchasing your auto insurance online, because it’s the best way to save plenty. But what else can you do to get affordable car insurance? Glad you asked. Here are just a few things.

1. The More The Merrier - If you’ve got more than one vehicle look for a multi-vehicle discount that offers you enough of a discount to make it worthwhile to have all your vehicles insured one place.

2. Professional Discount - Some insurance companies will offer you a professional discount. Different professions earn different discounts but it’s certainly one way to get more affordable car insurance.

3. Auto Clubs Count - You can get a discount for being a member of an auto club. You do need to watch that the fees for being a member don’t kill any savings. Also, if you are a member of an auto club doesn’t automatically take insurance through them even if they give you a discount because there may be better savings out there.

4. It’s Up To You - If you drive responsibly, have no traffic violations, and no accidents you’ll save a lot more. If you’ve got a DUI, you’ll not see low rates for several years to come. So you can play an important role in what type of insurance rates you’ll pay.

5. Don’t Let It Lapse - The best discounts come as your premium ages year after year and your discount rate goes up. So if you want the most affordable car insurance possible don’t let your policy lapse or you’ll be paying way too much for years to come.

6. EFT - E F who you say. EFT is short for electronic funds transfer, which simply means that your payments will automatically come out of your bank account. For using this form of payment, you can save because the cost to administer the policy is much less.

7. To get the most affordable car insurance rates you need to get a minimum of five quotes.

8. Take It Serious - It’s important that you take saving money on your auto insurance seriously. Just 15 minutes of your time invested and you’ll reward yourself with substantial savings. So don’t just renew because it seems like too much effort to shop around.

Affordable car insurance isn’t difficult to find at all. Your driving record, the kind of car you have, where you live, how much you drive, when you drive home from work, your age, are also contributing factors that can lower the insurance rates you’ll pay. It pays to shop around. With these eight simple tips, you should be getting the best rates around.

Jennifer Stromsteen is an auto insurance expert. Her website helps consumers find Cheap Auto Insurance by comparing multiple quotes online. From New York City auto insurance to auto insurance in California, if it relates to car insurance, you’ll find it at her site.

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