Car insurance is a necessary investment that lowers your financial commitment as a driver. Driving without car insurance puts you at the risk of spending thousands of dollars as compensation and repairs when in an accident. Here are smart ways to ensure the best deal on car insurance. Compare different insurance options – The first point in ways to ensure the best deal on car insurance is to not choose the first company that you come across. The car insurance industry is competitive, and when you take time to look around, you will find better deals at affordable offers. This will bring down your premium costs. Try increasing your deductibles – Deductible is the amount of money you have to pay from your pocket before the insurance company intervenes and pays the claims for accidents or thefts. The higher your deductible, the lower will be your premium. Talk to your agent and increase your deductible to pay lower yearly premiums. Consider opting for user-based insurance – If you log in a few miles a month and are not a fan of long drives, then it makes sense to opt for user-based insurance. This is one of the smart ways to ensure the best deal on car insurance.