When upgrading your car by purchasing extras or replacing parts, consult with your insurer to determine whether your upgrades will be covered in the event of theft or damage to the car. Insurance companies usually don't cover the entire cost of these parts, only the the worth of your car with these additions, which usually isn't a lot.

Before you purchase a car, find out how much it would cost to insure it. Your insurance agent should know which cars have compare auto insurance quotes. Knowing the amount of insurance you will need to pay ahead of time can help in your choice of a new or used car. It is possible for you to save a good amount of money on car insurance if you purchase a car with a high safety rating.

Certain vehicles are inherently more expensive to insure than others. Depending on your taste in vehicles, from a luxury model hybrid to a beat up gas guzzler, your insurance premium will reflect that taste. If you want to save as many dollars as you can, drive something modest, yet safe.

Carpooling or taking public transit can save you money on your auto insurance. Insurance companies appreciate their customers being responsible and driving less miles is one way to show them. If you tell your agent that you have been riding the bus or carpooling, chances are they can find a discount to reduce your premium.

Do not switch cars between family members to keep your premiums low. The fewer names on the insurance policy the better the price for your auto insurance.

When you are shopping around for auto insurance, get quotes from many companies. Each company can offer you a different rate. Shop around for rate quotes at least annually in order to know you are not paying too much. Pay attention; however, to the amount of coverage the different quotes are for.

Pay attention to the insured driver on your policy. There are many times when an accident happened with a friend who had borrowed somebody's car; the insurance refused to pay. There is an additional coverage you can purchase as part of your policy that will let you loan your car to others if you choose. This option will cost you more though.

If you can pay your annual car insurance premium all at once, do so instead of paying monthly. Your insurance provider can add up to $5 to your monthly bill. Five dollars a month adds up! If you have tons of other monthly bills, it can quickly become a large burden. Making fewer payments is a better car insurance cheap.

One of the best tips you can find regarding auto insurance is to keep your driving record clean. A car accident can bump up your rates faster than anything else. If you are at risk of getting in an accident try to avoid the situation. For example, if your night vision is poor, avoid driving at night.

Beware of car insurance quotes that seem too good to be true. Be sure to know everything about your insurance, and the reasons why it is cheap. Make sure you find out about the insurance company and your policy because you want the best helping you out if you need to file a claim.

Comparison shopping for vehicle insurance is not only about which has the lowest total annual cost. There are many factors that go into the premium pricing and you'll want to check through all the details, such as the amount of deductible you'll be responsible for, the amount of coverage you'll be receiving and what the maximum amounts are for your benefits.

Do not drive if you do not have auto insurance. If you are in an accident, good auto insurance will protect you from a big financial hit. In this article we have provided some valuable tips which can help you to find the auto insurance plan that is best suited for you.