Millions of people are paying too much for auto insurance. Luckily, there are a few things that you can do to avoid being one of them.

First of all, a great way to find cheap car insurance is to authorize an EFT - which will mean that your insurer can get the insurance premiums directly from your account without you having to send a check. This will attract lower premiums because it saves the company and because you are more likely to never miss a payment. This lowers costs, and will attract cheap car insurance to you. Most of the time, the cheapest rates will be those in which you pay with an EFT instead of sending a check, so be sure that you are wiling to do this and that you are able to.

Secondly, if you pay your premium on a yearly basis, you can get more affordable rates. This is a great way to turn your auto insurance into cheap car insurance, especially if this is first time car insurance for you. You’ll find better insurance quotes if you are looking for policies that let you pay in this manner. Many people like to be able to have cheaper payments and so they don’t pay it on a yearly basis, but you really can get the best deal overall by doing it that way.

If your priority is getting the most savings, go for third party only cover. It will meet most of the laws in most places for car insurance, and you’ll find that it is cheaper. You will be able to have cheap car insurance if you do it this way. Especially if you have an older car, this is the type of car insurance that will best benefit you in the long run.

Lastly, the best way for you to find cheap car insurance is to get out there and compare rates. Many people think that one rate is going to be the same as any other, and so they take the first offer that they get for insurance quotes. This is often the mistake of many people who are buying first time car insurance, and they end up spending way too much money on their car insurance. The best thing that you can do for your own insurance rates is to get out there and compare the rates. There are many places where you can do this, and it will be a great way for you to lower your insurance premium by finding cheap car insurance to start with.

Chrysler and Nissan Motor of Japan said Monday that they had agreed to build vehicles for each other in a deal that could signal closer cooperation in the future.Chrysler, which is based in Auburn Hills, Mich., and has been cutting truck production as demand falls for less fuel-efficient vehicles, will make a full-size pickup based on the Dodge Ram for Nissan at a factory in Saltillo, Mexico. In turn, Nissan will assemble a small car for Chrysler in Oppama, Japan. Both vehicles will be sold in North America, though Chrysler plans to sell the car in Europe and other markets, too.

Officials from both automakers said the deal was limited to these two products, but analysts say Chrysler and Nissan could eventually join forces in many areas of their operations to become more competitive. Nissan has expressed an interest in having a North American partner join its alliance with the French carmaker Renault, since talks with General Motors in 2006 were called off, and Chrysler is eager to expand its footprint outside North America.

“Forging the right tactical partnerships is critical to the long-term success of Chrysler,” said Thomas W. LaSorda, Chrysler’s president and vice chairman. “Nissan has a proven track record in these win-win product exchanges with multiple manufacturers around the world.”

Both vehicles will be designed by the companies that will ultimately sell them. Nissan will begin distributing the car in 2010, and Chrysler will start building the truck, which replaces the Nissan Titan, in 2011.

Mr. LaSorda said Chrysler recently finished designing the car, which will be that automaker’s first offering in the subcompact, or B-segment, category. Sales of small cars have increased rapidly as consumers seek more environmentally friendly and fuel-efficient vehicles at a time when gasoline prices are nearing $4 a gallon.

The Titan is by far the weakest player in the full-size pickup segment, in terms of sales, which have fallen 39 percent so far this year. In contrast, sales of Nissan’s subcompact, the Versa, are up 22 percent.