If you are seeking car insurance, probably the most affordable car insurance rate can be found online. If you are a masochist you might prefer to trudge the city streets seeking out auto insurance offices offering affordable rates, but this could get a bit wearing after a while, especially if your policy expires in winter and you are continually having to edge between the piled up sludge on the sidewalk and the Santas rattling their tin cans at you.Even the prize of an inexpensive policy rate might not be worth that. The Santa might cost you more than you save! There are better ways, and the best of that is to seek your auto insurance online. Not only can you do so in comfort with nobody trying to screw your hard earned cash out of you (except the kids for money for Santa!), but you can compare a lot more quotes a lot easier.So, what is needed for you to get the most affordable auto insurance possible for your circumstances? Well, a lot depends on what your ‘circumstances’ are. It might be difficult for a young person to get a cheap coverage for young driver unless there are any reasons why he or she should get it. So are you a new driver, a student driver, a senior driver, a…The difference makes a difference, if you know what I mean. However, let’s look at it from the view of you just being you, and not being compared to the more fortunate (or less fortunate) souls that will naturally be offered a higher or lower rate than you will be offered.First go online. What you are looking for are companies that offer quotes from a number of different auto insurers. Each individual company will provide you with only their own prices. No company is going to give you a quote, and then let you a see a competitor’s quote that is $1,000 less that theirs – and yes, there can be that difference! They will probably publish comparisons $1,000 more than theirs, so search for comparison sites.Once you find them, then enter your details. The obvious ones are your car details: make, model, age and capacity (that means cylinder capacity, not the number of people it can carry!).You will then be asked for deductible, and make that as high as you can afford if you want a cheap auto insurance rate. The deductible is what you pay before the insurer has to pay, and they like that to be as high as possible, so take what you have to pay for the repair into account in their price.The most affordable rates at the time you buy it might cost you dearly if you opt for too high a deductible. In the USA, most states have minimum cover for such variables as uninsured drivers cover that covers you if you are hit by an uninsured driver. It’s not fair that you should have to have that since it should be like the British cover where your comprehensive insurance covers you for every reason for damage to your car.An easy way to get affordable or cheap car insurance is to take all your insurances out with the same company. Your car, your partner’s car and your home insurance. That is sure to get you a lower rate car insurance, and if you are female then you can negotiate a cheap ins policy for woman if you have a good driver’s record.There are many things you can do to get an affordable car insurance rate and every one that you are aware of can reduce your car insurance price that little bit lower. So go for it!