1. Find The Right Car Insurance With This Helpful Guide
Try to get several quotes before deciding on insurance. All companies use some type of
formula to calculate the premium. What determines the costs are the driver related answers
you give to their questions, and also your driving record. By shopping around and comparing
rates, you can save a significant amount of money on your insurance.
The type of car or truck you purchase is going to play a big role in how much money you pay
for insurance every month. You may be attracted to expensive luxury cars, but your
insurance rates will come at luxury prices as well. If you want to save money on insurance,
choose a safe, modest vehicle.
Be careful to always maintain a clean driving record. Speeding tickets and accidents can
really cause your insurance premiums to run high. If you already have an accident or tickets
on your driving record, you may be able to lower your insurance costs by taking a traffic
course.
It is a common misconception that the cost of auto insurance automatically drops as the
driver reaches 25 years of age. However, your insurance rates will actually start going down
once you're 18, as long as you keep driving safely.
To keep your insurance rates low, pay on time and never allow your auto insurance coverage
to lapse. You may experience breaks in your coverage when you switch carriers or policies.
As soon as insurance companies become aware of a lapse, rates go up.
It's possible you could remove a few of the coverage items from your insurance policy. For
example, some policies include collision insurance; if you have an older vehicle that is not
worth very much, you do not really need to pay extra for this item. Forgoing collision
coverage can result in significant savings. Comprehensive and liability coverage are some
other things you may want to consider cutting.
With other expenses already so high, it is a good idea to drop some of those after-market
upgrades that only add to aesthetic value. Heated seats and a great stereo system are nice,
but you do not really have to have them. Insurance never reimburses these types of add-ons.
Don't forget to figure in the insurance premium you will pay on a new car. Keep in mind that
cars with better safety features get lower premiums. More sporty cars are not. You should
remember to include the expense of insurance when you are calculating your monthly car
budget.
Consider whether your policy provides more coverage than you really need. The
comprehensive and collision coverages are worth reconsidering for an older car. You may
benefit from adjusting these downward, or even drop them entirely. By dropping this

2. coverage, you can significantly reduce your monthly premium. It may be worthwhile to
investigate dropping comprehensive and liability provisions, as well.
If you plan on moving soon, look into how your new home will affect your insurance rates.
Insurance rates vary from place to place based on the chances of an accident or theft, and in
general rural areas and suburbs have lower rates than cities.
Never drive without insurance. You will be saved from a pile of financial trouble by having car
insurance. The tips in this article should be used to help you find the auto insurance policy
that best suits your needs.
Drive Safely And Legally When You Follow These Rules On Auto Insurance