Car insurance is something that no one wants to pay for but it is necessary and must be done. It may seem like an unnecessary expense at first, until your car is damaged in some way and then it’s essential to get that claim paid. At this point, it’s the deductible you don’t want to pay. Regardless of the type of vehicle you have, you’ll at least get affordable auto insurance that covers the basics and meets your state’s requirements.

Take advantage of online tools that allow you to compare more than one quote at a time so you can see the similarities and differences between various insurance companies. If you have home insurance and your provider also offers car insurance, see if you can get a discount by bundling it all together.

In addition to the make and model of the vehicle, your driving history, age, and credit score, here are a few other factors that affect the rates you’ll get when you’re looking to get cheap car insurance:

• Zip Code – Some areas are simply going to have more accidents than normal and car losses due to heavier road and traffic conditions and/or higher crime rates.

• Number of miles – The number of miles you accumulate on your vehicle each month can affect your insurance rates.

• Age and marital status. Young, single men usually have to pay more.

• Previous claim history – Those with a history of filing claims in the past are more likely to pay more when they switch companies or renew a current policy.

Where to get cheap car insurance even with high risk

Each company has its own rule as to what constitutes “high risk.” If you have been involved in an accident or have other negative items on your driving record, the variance in premium differs from company to company. As long as you’re diligent and look for discounts and ways to save, you should be able to find a policy and rate you can live with.

You may want to consider skipping comprehensive coverage if you have an older vehicle, as the money you pay for insurance may cost you much more than the old “clunker” is worth. However, it’s probably a good idea to have some type of coverage to pay the cost of your medical bills if you are injured.

Right now, you can get cheap auto insurance deals and fair quotes at esurance. There are thousands of esurance reviews and most of them are positive. It is definitely a good company to start with.