As household budgets tighten due to the economy, many people are looking for ways to save money and find the best value. One necessary expense for people who need to drive is the mandated car insurance and drivers are declaring, "Need inexpensive car insurance now!" We're always been told that if you want something, ask for it so in this case, can we get affordable auto insurance by asking?

The market for car insurance is competitive which is a good thing because competition usually benefits the consumer. There are a number of factors that affect your auto insurance coverage such as your age and marital status, where you live, and what you drive. Young drivers must pay a higher premium to compensate for their inexperience and hence, higher accident risk while married drivers are considered more responsible drivers than singles. Small town dwellers enjoy cheaper car insurance than their urban city counterparts since busy city driving pose a greater chance for car collisions. Insuring an expensive sports car will be more expensive than a late model sedan because there is a higher theft risk, repair cost, and riskier driving tendencies inherent in sports cars.

You can't easily change your age, marital status, nor where you call home just to obtain a lower insurance premium. However, you can choose an automobile that costs less to insure but most people think about insurance after and not before purchasing their vehicle. So what can you do to save money on car insurance? Ask!

Ask questions to fully understand your auto insurance policy. Particularly if you are renewing your car insurance, don't robotically renew without reviewing your coverage. Perhaps your circumstances have changed and you may no longer require certain coverage options or may qualify for additional discounts. To ensure that you get the most inexpensive car insurance, decide on what coverage you need and shop around for the cheapest quote that meets your requirements. If you are tight on funds, consider looking into no deposit car insurance.