Every state requires anyone who drives to carry auto insurance. But how are you to know the type and amount of coverage you should or may be required by law to purchase? There are lots of choices, so it is difficult to get the right policy. You will soon realize that there are basics that will help you make a wise choice. Learn all you need to know about your auto insurance needs by reading the following tips. Before purchasing insurance, shop around for the best price. There are different formulas that every company uses to determine your insurance premium. You will find the policy that is most affordable and best suited to you by checking into policies from several different companies. Be sure you to research your potential insurance rate when you are shopping for a car. Your insurance agent can tell you what vehicles have the best premiums. Knowing the amount of insurance you will need to pay ahead of time can help in your choice of a new or used car. If you purchase a car with a high safety rating, insurance will be quite a bit cheaper. Insurance companies offer a wide range of coverage and services that go beyond what is legally required. Even though these options will increase your premium, they are usually worth the additional expense. Uninsured motorist coverage protects you when you suffer damages to your vehicle or yourself that are caused by an uninsured driver. Carpool or take public transportation. By reducing the amount of mileage you are traveling, your insurance company is going to be impressed by your responsible attitude. If you take public transportation, chances are your insurance agent can find a way to discount your policy. Decide how much coverage you need when shopping for auto insurance. There are many different levels of coverage, and it can be price comparison classic car insurance price comparison classic car insurance confusing having to decide how much you need. However, if you own a valuable car and fear that you might get into an accident one day, obtaining collision coverage could give you peace of mind. Carpool or take public transportation. Insurance companies like customers that show responsibility, and decreasing your cars mileage is one of the things that you can do to achieve this. By telling your agent you take public transportation, you could be in line for a discount that will reduce your premium. You should raise your deductible, so that you can save more money in the end. This move has some risk, but is will save you some cash. If you do it, put the extra money in a savings account so that you do have it, should you ever need to deal with the deductible. You can save more on your premium if you pay a higher deductible. While you are shopping around for car insurance policies, make sure to include property damage liability in your quotes. This type of coverage will cover damage sustained in an accident. Only three states do not require liability insurance to operate a vehicle. However, in the event of an accident occurring, property damage liability could prevent you from having a very large bill. It can be difficult to pinpoint the correct amount of auto insurance coverage for a specific situation. If you have a lot of assets, you should get enough liability insurance to secure them. If you get involved in an accident and hurt someone, insufficient liability coverage could drain your assets. Having enough coverage to be safe is worth the price. Talk to your own insurance agent before switching companies due to a quote from another company. In many cases, they will be willing to decrease your rate in order to compete with lower prices. It can be difficult to decide how much insurance you actually require. Liability insurance should be added for those with a lot of possessions. If you get involved in an accident and hurt someone, insufficient liability coverage could drain your assets. You need to have enough coverage. In case you have an accident in which you need to file an insurance claim, remember that insurance companies love documentation. Have a digital camera handy to take pictures in case your get into a car accident. It can also be advantageous to keep a camera in your vehicle to be prepared for worse case scenario. As you would probably agree, auto insurance is a bit more complex than some people think. Investigation and common sense are required, but at the end of the day, extending the usable life of your car is worth it. Just follow the advice above, and you will be better armed to shop for auto insurance.