Are you looking for ways to get the most affordable car insurance? Have you thought about offering to pay a higher deductible? The deductible is the amount you agree to pay when you make a claim before your insurance policy will cover the rest. If you offer to pay $400 instead of $200 on your deductible, you could save up to 30 percent on your monthly premiums. This represents a huge saving over time. And just imagine how that extra cash will feel in your pocket! In this way, the smart car owner will save substantial cash on his affordable car insurance.