Auto insurance is an essential part of financial planning, but understanding it and choosing the right policy can be tricky. There are so many different kinds to sort through, and then choose. Here are some tips to help you get the right auto policy for you: Most student drivers pose a higher risk to short term car insurance companies because their age bracket is statistically involved in more accidents, but students can combat this by simply making the honor roll. Students with good grades are less likely to get behind the wheel of their cars drunk or having taken drugs, and insurance companies know this. When you are dealing with car insurance you should always try to find ways to reduce your premium so that you can always get the best price. A lot of insurance companies will lower your rate if you are someone that drives less the 7500 miles in a year. If you can, try taking public transportation to work or even car pooling. If you are the head of the family purchasing short term car insurance for your spouse and/or children, you can save money on your premium payments by bundling the policies. Instead of giving each driver his or her own insurance package, make sure everyone is insured with the same policy. This will save time, money, and allow for future group discounts. If you have developed a history of trouble-free driving over the course of several years, inquire with your car insurance company about a no-claim discount. Many companies offer these discounts for reliable customers they have not had to pay-out for. Some companies apply no-claim discounts automatically; with others the driver must inquire. It never hurts to ask! Consider purchasing your 1 day car insurance policy online. Many companies offer a discount for online purchases. The companies do this because it costs them less to use an automated system to begin your policy. In most cases, you will see a five to 10 percent reduction in your quote for the policy. Regardless of whether you are searching online or in person for car insurance, shop around! Differences abound for premium prices, as insurance companies take different viewpoints of your statistics. Some may be more interested in your driving record, while others may focus more on your credit. Find the company that offers you the best coverage for the lowest price. You have to know that the kind of vehicle you drive will affect the cost of your insurance. Perhaps you can afford a nice sports car right now, but can you afford the insurance on the long term? Do some research on how much your insurance is going to cost you before you buy a new vehicle. Having your VIN number etched into your window can lower your insurance premiums up to 15 percent. Sometimes the VIN number is already etched her latest blog Read Alot more anchor into the cars window, but will raise the price of the car $300 to $900. You can also etch the number into the window yourself for $19.95. You may not want to buy after-market add-ons if you dont need them. A decked out stereo system or toasty heated seats are nice to have, but they are not necessities. If you do and your car is destroyed, your policy may not cover it. Look at your driving record before you get a car insurance quote. It may be inaccurate and contain old information that does not apply to your current situation. This can lead to elevated car insurance quotes and cost you a substantial amount of money. Make sure that your driving record has correct information. Car insurance rates fluctuate and are dependent upon where you live. Areas that have high crime or are dangerous for other reasons have higher rates, while less-dangerous areas, such as suburbs and rural areas, usually have lower rates. If you are buying a brand new car, you should be aware that the cars warranty probably provides services such as towing or pays for a rental car while yours needs repairs. If you warranty covers these features, you should drop them on your insurance. When you warranty expires, do not forget to upgrade your insurance again. Since everybody needs day car insurance, it is a mystery that not everyone educates themselves on how to get the best coverage. Even a little bit of learning can pay off with big savings and much improved insurance. After reviewing the tips in this article you are on your way to improving your day car insurance situation.