What You Need To Know About Auto Insurance

TIP! To save extra money with your monthly insurance premium, drive fewer miles each year. Most insurance providers will give you a lower rate for driving less.

Your automobile insurance policy protects more than your car. It is a means of protecting both you and other drivers. When choosing a policy, make sure you pick one that covers all of your needs. This article will guide you toward getting auto insurance that’s right for you.

Driving Record

TIP! You can purchase insurance that covers more than just the minimum requirements. You will pay more if you choose these add-ons, but, in many cases, they are worth the money.

Keep a clean driving record. Having tickets or accidents on your driving record can raise your rates on your insurance policy. If you do have a poor driving record, taking a defensive driving record can improve it and help you get lower insurance rates.

TIP! Don’t sign a car over to other family members frequently. Having one driver linked to each car can result in better insurance premiums.

In addition to coverage that is legally mandated, there are other types of insurance protection you may choose to add to your insurance portfolio. Your cost will be more, but if you get into an accident, it will be worth the extra expense. One good add-on is uninsured motorist coverage, which protects you if you get into an accident with someone who who does not have insurance.

TIP! Before purchasing automobile insurance, get quotes from several companies. The rates are not the same for all insurers.

Carpool or take public transportation. Insurance companies will reward you for being responsible by lowering your insurance rates. One way to prove your responsibility is to lower the overall mileage that you drive on a daily basis. Tell your insurance agent if you have been carpooling and using public transportation. They may be able to find you a discount based upon this information you provide.

Switching vehicles between members of the family can raise premiums. You will get a lower premium if you only have one name on each car.

TIP! If you can pay your annual car insurance premium all at once, do so instead of paying monthly. Car insurance companies can tack on anywhere from $3-$5 on average a monthly bill.

Always get more than one quote, and get quotes from more than two sources when you are shopping around for auto coverage. Each company can offer you a different rate. To keep your premiums as low as possible, be sure to obtain new quotes at least once per year. Do not just pay attention to the price quotes; pay close attention to the levels of coverage as well.

TIP! Property damage liability is a very important thing to include in your auto insurance policy. The “liability for property” line on your policy covers damage where you are held responsible in an accident.

Now that you’ve read the article, go review your policy with your new found knowledge. You could discover that in order to feel properly protected, you’ll need to make some changes to your policy.