There are numerous ways of ensuring you get the cheapest possible insurance quotes without negating your short-term insurance needs. In today's strained economy, getting insurance that is both cheap and sufficient is of the utmost importance. Nobody can really afford to pay too much for their insurance and even fewer people can afford to not have enough short-term insurance to cover them in the event of a loss. Balancing these two factors has become a very important aspect of modern life. Getting as many quotes from as many companies as possible is usually the best way to start assessing what the insurance market has to offer. At the same time, ensure that all the quotes offer the same cover so you have an accurate estimate. You can lower the quoted premium by choosing a higher excess in the event of a claim. In addition, bundling all your insurance needs into a single policy will also usually qualify you for a discount.