No matter how long you have been driving or what vehicle you have, you cannot simply overlook your obligation to purchase car insurance. This is something that all drivers need to have. With that being said, below, we are going to take a look at four of the different techniques you can use to make sure you get cheaper car insurance the next time you make your application.

• Begin looking for an insurance quote 28 days before it is needed – There is only one place to begin, and this is by making sure that you time your search effectively. A lot of people do not start looking for insurance until their current plan is coming toward an end. They give themselves just one day to determine whether or not to make the switch. If you do this, you won’t be presented with the best deal because the provider will know that you do not have time on your side. 
• Select a low insurance model of vehicle – The next tip we have for you when lowering your car insurance is to opt for a low insurance car model. Next time you purchase a new vehicle, make sure you understand what sort of implications this is going to have in terms of how much insurance you will need to pay.
• Park your vehicle in a secure spot during the night – A lot of people park their vehicles on the street during the night. This is because they have no other option. However, parking your car on a street is viewed as much less secure when you compare it with the option of parking your vehicle in a locked garage. If you take security seriously, you may see this reflected in the insurance costs you are faced with. 
• Pay for your car insurance plan per year instead of per month – The final piece of advice that we have for you is to pay for your car per annum rather than paying for it per month. This is important because insurance companies will offer a lower yearly charge when compared with the fee you have to pay if you decide that you are going to make smaller, monthly payments. Plus, you will know you are paid for if you do need to look for an ATV repair shop near me, or something like that, and you need to make a claim.

Final words on lowering your car insurance next time you apply

So there you have it: some of the different techniques and approaches that you can use to get cheaper car insurance next time around. A lot of people do not realize that there are so many different factors that influence car insurance and how much they are quoted. Therefore, if you have a careful approach and you get yourself organized, you can certainly make your money go a lot further when you are looking for your next car insurance deal. Use the four tips mentioned above to get started.

**This post has been contributed**