Purchasing an auto insurance policy can be either your greatest blessing or your greatest regret. It can be your protection in an extreme circumstance so make sure you choose wisely. Take the time to read this article, and it will offer you some tips on choosing your next auto insurance policy. If you have a shiny new car, you wont want to drive around with the evidence of a fender bender. So your auto insurance on a new car should include collision insurance as well. That way, your car will stay looking good longer. However, do you really care about that fender bender if youre driving an old beater? Since states only require liability insurance, and since collision is expensive, once your car gets to the "I dont care that much how it looks, just how it drives" stage, drop the collision and your auto insurance payment will go down dramatically. 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. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each months payment separately. When you are driving on the road, make sure that you obey the speed limit. There is no reason to get unnecessary tickets, which can cost you a lot of money and raise your insurance rates over the year. Drive safely if you want to increase your cash at hand. Get new quotes on your auto insurance when your situation changes. If you purchase or sell a car, add or subtract teen drivers, or get points added to your license, your insurance premiums change. Since each insurer has a different formula for figuring out your premium, always get new quotes when your situation changes. Stay away from sports cars. Insuring a sports car costs significantly more than insuring other vehicles. Purchase a car that is more low-profile. When it comes to insurance, larger motors cost more to insure. Sporty cars are more expensive to insure because they are usually the cars that thieves steal. Keep one name to one car or else your premiums will skyrocket. Typically, you will get a better price by only having one name attached to each vehicle. Having an expensive car or car that is considered a sports car will often increase the price one pays for auto insurance. If one does not like the sound of that then they should consider getting a different type of car. It will not only save them insurance money but often money off the car itself. If you are looking for auto insurance, be sure to research and compare insurance providers to find temporary car insurance uk car insurance for learner drivers 1 day insurance the best policy for you. Doing your research will not only save you money on premiums, but will also give you peace of mind knowing that you are dealing with a trusted, reputable insurance company. Know how having different vehicles affect your auto insurance rates. The better a cars safety rating, the lower the insurance premiums tend to be. Insurance rates tend to be high for sports cars and SUVs. Insurance rates for these types of vehicles can vary wildly between providers based on their own company experience. It might be a good idea for you to buy a used car if you are a new driver or someone that does not drive particularly well. Insurance companies view used cars as much less of a liability so the majority of the time they will charge you premiums that are much less than those that they charge new car owners. Making sure that you have the best auto insurance for your situation doesnt have to be a difficult ordeal. Once you understand some of the basics of auto insurance, its surprisingly easy to find a great deal on insurance. Just remember what youve learned from this article, and youll be in great shape.