auto insurance tips that will save you money

Auto Insurance Tips That Will Save You Money

Owning a car means having insurance, no ifs, ands or butts. However, that doesn't mean you need totake the first policy that you see. Prices and plans vary greatly between providers, and it usuallypays to shop around. You should get insurance for less money, if you take time to learn as much asyou can.

Cutting back on the miles driven a year could make your monthly insurance go down. Mostinsurance providers will actually decrease the amount of your premium by decreasing the number ofmiles you drive.

If you want to buy aftermarket parts or decorations foryour car, ask your agent about the insuranceconsequences. If you pay $700 for new tires that just adda mere $200 value to your car, you will not bereimbursed for that difference should your car be stolen.

Tokeep your insurance rates low, pay on time andnever allow your auto insurance coverage tolapse. You should be careful to not have a gap inyour coverage when you are switching from oneinsurance provider to another. Once theinsurance company finds out about the gaps,they will raise your rates.

Before you buy additions for your car, askyourself if you really require them. A decked outstereo system or toasty heated seats are nice tohave, but they are not necessities. Add-ons will not be replaced or reimbursed if your vehicle is in anaccident or stolen, unless you have purchased supplemental insurance for these extra parts which isusually quite costly.

Sports cars will require you to pay more to insure your vehicle. Sports cars are going to cost you alot more to insure. Choose a smaller car with a less flashy profile. Vehicles with larger engines aremore expensive to insure. Sporty models are also targets for theft, which increases the cost ofinsuring them.

Your car insurance will be cheaper if you have a good driving record. Nothing else will make yourpremiums jump higher than having an accident. When driving, be aware of your limitations andweaknesses and avoid any risky situations you can. For example, if your night vision is poor, avoiddriving at night.

Some coverage items are not worth the extra cash though. Collision insurance might be anunneeded extra if you drive an older vehicle, for instance. Remove this coverage from your insurance

and you could save a large amount every month. Consider removing comprehensive and liabilityfrom your policy.

Wait to cancel your current auto insurance policy until the point when you have another policy linedup. Even going a few days without auto insurance is taking quite a large risk because unfortunately,car accidents can occur any time.

Try to get your life, home and auto insurance from the same company. You may qualify for adiscount. Look for offers such as bundling home and auto. Be sure that the bundle providesacceptable coverage as well as a good price. Sometimes it makes better sense to stick with twoseparate insurance policies.

Being penalized for poor driving can really raise your insurance rates. By that same token, your autoinsurance rates can also rapidly plummet once the negative items are expunged from your record.When your driving record is clean again, you may want to get some updated quotes from insurancecompanies.

Practically every driver is paying a different auto insurance premium. It isn't only about theautomobile model or a person's driving history. All insurance coverage isn't the same, and somepeople are able to have equal coverage for less money. Just learn tricks of the trade to save somemoney.