If you have just moved to a new town or even if you are a first timer, it would be a good idea for you to go online and get a cheap car insurance quote. One of the best ways to do this is by going with an insurance website that offers these quotes directly to consumers. There are many reasons why getting such a quote from one of these sites would be a good idea, but the most important reason of all is because they will offer you the chance to save yourself a lot of money on your monthly insurance premiums. All you need to do in order to get such websites to provide you with a quote is fill out a short form that asks you some basic information about your driving history. The number of years you have been driving and the number of accidents you had as well as speeding tickets are all taken into consideration when calculating your car insurance quote. Also, if you have any insurance policies you may have, such as life or pet insurance, it will affect your car insurance rate. Another way they can give you a cheaper quote is if you are married or divorced. If you are not sure if you qualify for any of those discounts, you can always call an insurance agent and ask him or her. The more information you give them the better chances you have of getting different types of discounts. For example, if you are a good student you may be able to get a discount if you sign up for an insurance policy through an educational institution. Or, if you belong to a safe driver's club, they may be willing to give you a discount if you take the membership to a higher one. Of course, you can always try to get a discount on your own by taking defensive driving classes. But it's a good idea to get as much information as you can in order to find the best deal possible.