If you are in the market for an auto insurance policy, utilize the internet for price quotes and general research. Agents know that if they offer you a price quote online, it could be beaten by another agent. Therefore, the internet works to keep pricing down. The following tips can help you decide what type of coverage you need. If you own an older model vehicle, drop your collision coverage. Most policies have a limited amount collision coverage, that will relevant website not pay for more than the blue book value. Investigate how much your vehicle is worth, and then figure out how much the added collision coverage will cost you. Paying the extra coverage amount is sometimes not worth your while. Take a driving course. Defensive driving, safe driver, and superior driving courses all show your insurance company that you are both a cautious and safe driver. Bring your certificate in to your insurance agent, and let them make a record of it. Many companies reward safe drivers with lowered premiums. If you are a senior citizen and you own your car but dont drive very much anymore, then you may be able to save on automobile insurance. Consider insuring only the main driver of your vehicle. If this person has a good driving record then you can get a much lower rate. Before purchasing a car, check the insurance rates that come with it. The premium amount varies between different vehicles. This is because some vehicles are more accident prone than others. Also, if is is appropriate try to stay clear of purchasing trucks or SUVs. Insurance rates are much higher on them. One great and underrated way to save on your monthly auto insurance premiums is to join an automobile club. Especially if you are driving a classic or rare vehicle, joining an auto club will allow you to join with a group discounted rate, ultimately saving you hundreds of dollars annually on your insurance premiums. Verify that the information that is on your car insurance policy is accurate. Confirm the vehicle information as well as the driver information. This is one thing that many people do not do and if the information is incorrect, they could be paying more than they should be each month. Try taking the bus or joining a carpool. If you prove that you are a low risk, then your provider will respond by offering you a low premium. Tell your agent about your efforts to reduce mileage, and theres sure to be a discount that applies to you. If you are a man, you should be prepared to pay more for your car insurance. This is because, statistically, men are more likely to have accidents. If you are a married man, however, the agencies tend to believe you are more responsible. Make sure that you re-evaluate your policy if you change your marital status. It is clear that an individual can have some say in the amount of money he or she will pay for auto insurance by considering some of the factors discussed above. These factors should be considered, if possible before the purchase of a vehicle so that the cost of insurance can be realistically anticipated by drivers.