When it comes to car insurance, various factors have an impact on your premiums. Things like your age, driving history, and even your gender affect auto insurance rates. Many of these factors, such as your age, cannot be changed. However, if you are searching for a less expensive policy, there are a few things that you can do to reduce your costs. Here are three ways to get cheap auto insurance. 

Comparison Shop

One of the best ways to get cheaper auto insurance is simply by taking the time to look at multiple policies before making a decision. Auto insurance companies calculate their rates differently, meaning that you can see a big difference in premiums from one company to the next. Getting multiple quotes is the best way to strike a balance between finding the coverage you need at rates that you can afford. You will also want to re-examine your policy every year or after any significant changes in your life. Looking around to see if there's a less expensive option can mean significant annual savings.

Choose A Higher Deductible

A deductible is an amount you need to cover before your insurance policy covers the remaining balance on a claim. If you are usually short on cash, a low deductible plan will often be your best bet. However, if you typically have a few thousand saved, going with a higher deductible can be a fantastic way to get cheap auto insurance. For example, going with a deductible of at least $1,000 can save you around 40 percent on your premiums. Over time, going with a high deductible plan can save you thousands. 

Drive Less

Another way to see a reduction in your auto insurance rates may be a surprise, but if you drive less, you may qualify for cheaper premiums. Usually, this means driving somewhere between 7,500 and 10,000 miles or less. If you meet this requirement, you may be able to get a cheaper base rate on your insurance. However, it's something that you have to ask about. Your insurance company may also require proof each year that the distance you drove was under a certain amount of miles. 

If you are looking for inexpensive auto insurance, there are a few things that you can do. First, comparison shopping is essential for finding competitive rates. Next, going with a higher deductible policy can also mean much cheaper car insurance. Finally, one way to save is by driving less. If you drive under a certain amount of miles each year, your insurance company may offer cheaper rates.

For more information, contact a company like Illinois Insurance Center Inc.