Salaries are shrinking and unemployment is up in the United States. Whether you're employed, unemployed or underemployed, you need your car to get around. With everyone making so much less money, you need to find affordable car insurance that provides you with the kind of coverage you need to operate your vehicle safely. After all, driving without proper auto insurance is illegal in every state. It's also dangerous - driving with insurance can leave you liable for damage caused to your car by any number of things, including other drivers, careless driving, treacherous roads and dangerous weather. Have you ever think of asking a car insurance company if they have a group discount facility in which their customers can get a cheap offer compare to the normal fee or compare to other car affordable insurance company around, if such a group discount facility is available for customers in that company then get a quote but if such opportunity is not available then you can ask them why such an opportunity is not available for customers in their company. Some companies offer discounted rates if you have a clean driving record. No traffic tickets or at-fault accidents on your record give the perception that you are a safe driver who complies with California's Vehicle Code. Having a good credit rating is another way to get a lower quote. Contact the insurer to find out if they currently have any special offers for policyholders. In fact most of the companies nowadays used to have leverage with their respective insurance companies and as a result they have no excuse in getting their customers affordable quotes. But if they fail to do that, that means they have no excuse its just out of their own volition not that they don't have necessary facility to do so.