How To Find The Cheapest Car Insurance Companies

A work colleague of mine once asked me how he could go about finding the cheapest car insurance companies. At first his question seemed a little absurd, maybe because I did not have a car at the time. But after I had bought a car of my own I later realized the need to find cheap insurance; a lot of policies are pretty expensive. This is what I had to go through to find the affordable policy I eventually found.The very first place I visited was a well known insurance consultancy firm in my town. The visit proved worthwhile as the insurance consultant told me all I wanted to know in order to get a policy that I could afford. I was told something about risk that I had never before encountered and this was very beneficial.He told me that risk impacts greatly on overall insurance costs and if manipulated strategically I could use it to my own advantage. Apparently if the car you drive is expensive insurance premiums shoot up. This is because an expensive car is at a greater risk of theft than a cheap and simple one.In addition to this he also mentioned the risk of accidents. Whenever you have a bad driving record this is an indication that you are more likely to be in an accident than anyone without one. So if you work on your driving and reduce the number of road offenses you commit premiums will drop like the first summer rains. In addition to this he said something about getting a defensive driving course as a way of lowering premiums.I was also told about generally cheap policies offered by different insurance companies. It appears there are a number of new companies that are so eager to secure new customers that they lower their insurance costs. Generally my visit was worth every single dime. I was able to get a policy I could afford and it was even car insurance no down payment