Bangalore: When it comes to availing car insurance, things can become pretty expensive. Auto insurance policies have a way of increasing for a variety of reasons, which the car owner has no control over. Below are some tips that will help you to keep your car insurance cheap. Get Quotes: It is very important to get quotes from various insurance agents. You can obtain the quotes online also. On obtaining these quotes compare the prices and features and sort it out based on the most affordable rates while still maintaining the exact amount of coverage you need. Vehicles are insured as per their IDV (Insured's Declared Value). IDV is ex-showroom price minus depreciation, registration, and insurance. Check IDV: When you're in a total loss it is from here you can receive maximum money. The agent can reduce this amount in order to reduce your premium. Choose the yearly policy: After 60 days you will receive the final policy documents that are a proof that you're are insured. By choosing a yearly policy can extend your savings on your car insurance. Purchasing a yearly policy instead of a six month policy gives you a rate that cannot change for one year vs. changing every six months Deal with Insurance brokers only: It is advisable to deal with the insurance brokers only. And their details like the license number can be verified from the IRDA website. The reason behind this is these brokers are paid same amount irrespective of the company's policy they sell. An Insurance agent provides his biased opinion to you by selling just one policy. Accident insurance: You get an additional personal accident insurance for the people driving with you. This helps in insuring your vehicle as well as the people driving in that car. Keep credit clean: It is very important to keep your credit history clean because a lot of insurance companies are checking your credit history and basing your policy on what is found. Provide auto or home policies: If you already have an auto or home policy with the same company, you can get lucky because most insurance companies give a discount if you carry your auto or home policy with the same company. This discount can be anywhere from 5 percent to 20 percent.