You have been unsuccessful so far in finding solid and reliable information about auto insurance. You have found the right resource no matter if you are a veteran on the subject or someone who is just getting started. In this article you will find multiple tips and information to help you along your way. To lower the cost of your insurance, you should pay attention to the kind of car that you wish to buy. If you buy a brand new car, insurance will be very high. On the other hand, a used car should allow you to get a lower rate, especially if it is an old model. If youre planning on buying a new car, choosing one that is less desirable to thieves will lower your insurance rate. Online, you can find lists of the cars reported stolen most often and its likely that they are the same lists that your insurance company uses to calculate your premium. Use this information as part of your research into which car you should buy. Join an auto club to get better rates and special discounts. Many of these clubs partner with different insurance companies, so if you can join one, you can reap the benefits. Make sure to mention to your agent that you are a member of these clubs. Even if your company doesnt partner with them, they may still give you a lower rate. 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. Senior citizens can benefit from the discounts that are available from their car insurance company. These discounts typically kick in at age 55 or 60. You have to request that your insurer add these discounts onto your insurance, as they will not do it automatically. It could save you as much as ten percent on your premium. If your car is a significant asset, (i.e. expensive and having high resale value) make sure you purchase additional liability coverage for it when you insure it. The legal minimum liability coverage which is your cheapest option will not provide enough compensation if your valuable car gets damaged. The additional cost of additional coverage is worth paying to protect a car with real value. Pay a yearly sum for your automobile insurance. Some companies charge a little more to put their customers on a monthly billing plan. If you are able to pay off the bill in one lump sum for the year, you could save some money and you will have one less bill to worry about. Take a driving course to get a discount on auto insurance. Young drivers who have taken a drivers education course are usually eligible for discounted auto insurance rates. Similarly, older drivers who take a defensive driving course visit the next post are also eligible for discounts on auto insurance. Check with your insurance company to see if they offer these discounts. If your annual premium corresponds to ten percent of your cars blue book value, you should drop your collision coverage. Coverage is limited to a cars blue book value: if your car is too old, you are paying a lot of money for an insurance that will not pay you much when you file a claim. Keep your driving record clear of an tickets or violations. If you dont have any speeding tickets or accidents, this can make your insurance lower. It shows insurance companies you are a safe driver and that you care about your driving record. A clear driving record will make your rates lower. Know the laws in your state concerning auto insurance. In almost every state, car insurance is compulsory. You can face stiff fines and penalties for not carrying adequate car insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws. As was stated in the beginning of this article, before buying auto insurance you should take the necessary time to educate yourself on the different types of auto insurance available to you. If you know the type of coverage you need and the amount of money you can afford to spend, then finding the right auto insurance is not so difficult. Apply the advice from this article and you should be able to get yourself quality auto insurance at a fair price.