If these is not the first time you are getting car insurance, then there are factors which affect your premium based on the history of your car and your driving records. By maintain a clean driving record you may be able to obtain a cheap insurance for your car. Your first accident may result to an increase of your monthly premium, hence maintaining a safe driving record will improve your insurance premium. Also staying loyal to your insurance company to which you have insured your car for the past 10 years, so to speak, will have a direct impact on your relationship with your insurance company. Hence, these companies may reward its valued customers for their loyalty. Of course, other than being loyal you should also be loyal to your payments to the company on time, as the company may not provide you discounts if you are always late in paying your fees.