It is true that some car insurance companies give you high quotes, while others give low quotes. However, most premiums quoted are competitive. When you hear cheap car insurance advertised or written about, you should be careful. Cheap car insurance works like this, you take the minimum coverage permitted by law, along with any deductions from being a homeowner, married and having taken a defensive driving course. Otherwise, the only other cheap car insurance available, would be determined by where you live. If you live in a rural area where cars are not stolen and where few claims emanate, you certainly will pay a low premium. One way to find cheap car insurance is using a comparison website to compare car insurance. There are many sites that off this service and a simple google search should show you 3 or 4 such websites.