Let's see now the top 8 advices to find the best and cheapest car insurance:

1. Maintain your driving licence clean. Try to avoid speeding tickets and other errors. Careful and reliable drivers get the best rates, and get them more easily.

2. Accident and collision free history is another bonus.

3. Previous insurance policies will add much to your reliability factor, and will surely put you in a very favourable light. Don't let your insurance coverage have gaps: that is, try to renew it continually. Don't leave yourself uncovered!

4. Take an accident prevention course.

5. When completing the forms, try to take the highest deductible you can. This means an extra cost you can pay for damage if any. In this way you can also keep premiums low.

6. Choose a modest car. Luxurious vehicles have the most expensive insurance.

7. Combined vehicle discount. If you have more than one car in your household, take advantage of the discount policies and purchase a combined coverage, thus you can save a lot of money!

8. Metropolitan versus the suburbs. If you live outside the busy and crowded metropolitan centres you can get a significantly cheaper coverage.

Insurance companies have different modes of evaluation and various guidelines regarding the underwriting process. When you decide to apply for a policy try to find out the agency's requirements, thus you will have a clear picture which group of applicants you belong to. It is essential to keep your driving history clean, as the company can easily look back three or more years to check out many things about you. They will monitor your credit history, your previous insurance policies, as well as the vehicle records (tickets, collisions etc). If you have a clean and very safe driving record, higher deductibles, and you keep your car up to date (include for example anti-theft devices, airbags) companies are eager to offer you some discounts.

As time goes by, your coverage might face some new challenges. Therefore it is essential to have a policy which can be continuously updated. From time to time review if the original coverage still meets your requirements. You can marry someone, for example, and you may decide to insure more vehicles as well as more drivers in a household, or it can happen on the contrary: suddenly just one single vehicle will need a policy. On the other hand, you can just simply find a better offer, so consider switching at any time. A new policy can have many benefits: flexibility, better rates, more discounts.

Before choosing the policy try to check out the company you are buying from. The Internet, local phone books are excellent sources if you want to get some background information. You can also ask your friends or fellow drivers for some extra advice. Usually it is very important to purchase insurance from an agency which has full credibility on the insurance market and has a lot of sympathetic discounts. Some people prefer to choose a company next to their home or job, which might not offer the best rates, but allows you to make the payments on time.

After considering all the above mentioned issues carefully get out there and buy the best policy!