One of the main concerns of cash-strapped drivers is how they can get cheap car insurance premiums. Here are some ways on how you can find cheap auto insurance. Consider increasing your insurance deductible so that you can get insurance with a lower premium. The deductible is the cash that you have to pay before your insurance company will cover damages or injuries to other people or property in case an accident happened due to your fault. If you have a clean driving record for a pre-determined amount of years, request a discount from your insurance company. Some companies will give a discount to reward good drivers.