When it comes to buying car insurance online, there are two main players: GEICO and Progressive. You’ve seen the cute gecko commercials and Progressive’s insurance super market commercials. Which online car insurance company should you insure your vehicles with?  That depends.

Both GEICO and Progressive are solid financially, with GEICO having the backing of Berkshire Hathaway and the Oracle of Omaha, Warren Buffet.

FACT: After you have an accident is not the time to find out if you have enough car insurance coverage.

Most of us don’t spend a lot of time pondering whether or not we carry enough car insurance coverage. When you originally purchased your current policy, whether online or through an agent, you probably just made the assumption that your previous coverages were enough and rolled them into your current policy.

Comparing car insurance quotes is a great way to see if your current car insurance rates are inline with other company’s rates. Car insurance policy terms are usually 6 months, so it’s a good idea to comparison shop your rates every two renewals, or once a year.

Affordable car insurance is an elusive concept but if you follow these steps, you have a great chance of slashing your next auto insurance bill. The key to finding the most affordable rates is to shop around and take advantage of available discounts.

How to shop around for affordable car insurance

Being a licensed propery and casualty agent, I can give you a few pointers about the best way to find affordable car insurance.

Car insurance can be expensive, and the last thing consumers need in a depressed economy is to throw hard earned dollars down the drain. You can insure for less by knowing about auto insurance discounts that may be available from your insurance company.

Multiple Vehicle Discounts

If you own more than one car, truck, SUV or minivan, you can receive a discount on all vehicles on your policy by insuring them with the same company.