It is the desire of every individual to get car insurance at reasonable rates. There are innumerable ways for getting affordable insurance on your car. It is essential for you to understand that getting an affordable insurance is not always easy, as it requires a considerable amount of research and work on the Internet. You need to follow systematic procedures in order to reach your destination. Avoid taking short cuts. Following are the three ways for possessing car insurance at affordable rates. Honestly, no insurance company can pile up add-on bonuses on an insurance policy that has a low premium rate on offer which are the budget car insurance policies. In these policies there are no additional facilities like a standby vehicle in the case of a break down, free emergency repairs if stuck on the highway and tow away services. In fact some premium car insurance policies provide lodging and boarding facilities to the buyers of these policies if the driver is on the highway at sundown and is looking for rest. When vehicles are paid in full and have depreciated below a certain level, it may no longer pay to carry full coverage insurance on the vehicle. If you have a loss on a vehicle that is worth less than two thousand dollars, you will have paid more for insurance than you would receive in settlements from the insurance company. You would be better off to cancel the full coverage insurance and put the money that you pay for that portion of your insurance into a savings account. Then if something does happen to your vehicle, you will have the money to purchase another vehicle. The most essential step is searching on the Internet, as here you can get quotes for your car. These quotes may ensure you get the most affordable insurance available on the market. Keep on searching on the Internet until you get something that works for you.