Another great way to get the cheapest car insurance is to see if your current insurance company offers a multi-line car insurance discount. While this discount may sound very complex, it simply is where you have more than one insurance policy with an insurance company. A great example is when you have two different automobiles. Usually, if you choose to insure both of your vehicles with the same insurance company, you will often get a discounted rate. Additionally, if you have a home owner policy and an automobile insurance policy, your insurance company may offer lower monthly insurance premiums.