Auto insurance policies can be confusing, and you can easily put yourself at an unnecessary disadvantage if you do not take the time to inform yourself before getting your policy. The most expensive policy is not always the best policy either. Why not take the time to read through the following tips? They can help you get the most for your money. If you are driving into Canada or Mexico, many people dont realize that your American car insurance wont cover you in a foreign country. You will need to purchase auto insurance ahead of time online, or in the border town or city where you will be crossing over into either Canada or Mexico. If youre currently covered by a car insurance policy and happen to see the same policy for a better price, do not jump at the offer right away. A lot of drivers will instantly switch sides when they see the dollar signs, but they never bother to read the fine print. Companies lure you in with the promise of low payments, but leave you lacking in coverage, so always be weary of this fact. Lower your car insurance premiums by taking a safe driver class. Many car insurance companies will offer a discount if you can provide proof of completion of a safety driving class. Taking, and passing, such a class gives the insurance company a good indication that you take your driving skills seriously and are a safe bet. Do not try to claim your car is worth more than it really is. Its tempting to think that in case of an accident you might end up with a check larger enough to go out and buy that luxury car youve always wanted. It doesnt work though because insurance companies only pay the fair market worth of your car, not what you claimed it was worth. When you are making the final decision about your new auto insurance provider, you need to check out the companys payment plan option. Is your premium due monthly? What happens if you make a late payment? All of these answers could lead you to find another company with more lenient practices with respect to premium payments. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts check for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. The type of vehicle you choose to drive can affect the cost of your car insurance, particularly if you drive a sports car. Insurance for sports cars is typically more expensive because these cars have a high theft rate and poor collision performance. However, it pays to shop around because different insurance agencies have different methods of deciding what defines a sports car. While any small, fast car with two doors is generally considered a sports car, the question gets trickier when it comes to four-door cars. Just because one agency classifies your vehicle as a sports car doesnt mean the next one will do the same. Hybrid vehicles are really underrated in terms of insurance prices. So if you want to save money on insurance, you might want to look at purchasing some type of hybrid vehicle. Apart from the great tax savings, you will also stand out as a low-risk driver in a hybrid, and thus your insurance premiums will ultimately drop. Insurance companies base their rates on their past experiences with their customers. If you hear something about a general trend regarding one type of vehicle, this might not reflect how all insurance companies view that particular vehicle. You should request quotes from several companies and compare them: you might notice a rather big difference. Drive safely and observe the rules of the road to lower your car insurance rates. If you avoid accidents and tickets, you may qualify for a discount as a safe driver. Of course, being a safe driver will save you money all around in terms of ticket expenses and wasted gas, as well as getting you the lowest insurance rates. When purchasing auto insurance, make sure you do your homework and shop around. You can do this online. Look for companies that will give you the best discounts along with the best price. There is no reason to pay too much for car insurance. If your auto insurance policy comes with a number of minor extras, see if you can drop any that you wont need to save some money. Talk to your insurance agent and go over each of these extras to see which you really want to keep and which are just costing you money each month. You can now feel more knowledgeable, and confident, about your understanding of auto insurance. Feel free to access all information available to you. The more you know, the better your experience will be with regard to auto insurance. You will have the most success when you keep these tips in mind.