Purchasing auto insurance can be a major headache for you. It is important to be well informed when purchasing insurance so that you are not over or under-insured. Use these tips if you need a little bit of guidance finding an automotive policy. If you drive fewer miles per year, your insurance rates will decrease. The majority of car insurance companies offer a discount for drivers who log less miles. Learn about the range of coverages before you choose auto insurance. There are a lot of factors that are involved in auto insurance coverage even for a single vehicle. The legal costs associated with things such as serious injury or death in an accident you cause are covered by bodily injury home-page liability policies. When shopping for vehicle insurance coverage for your teen, ask your agent to give you a quote, both as a separate policy and also as an addition to your existing policy. If you have various vehicles, it is sometimes beneficial and cheaper to get them each their own policy. Whenever possible only carry one family member per car. This should help keep the premiums low. You can get a better premium rate if you have just one person listed as the registered driver for a particular vehicle. Raise your deductible to save money on your premium. This move may be risky as you will have to pay more in the event of an accident, but your monthly insurance rates will be cheaper. You can save more on your premium if you pay a higher deductible. When purchasing auto insurance, be sure to include property damage liability. This covers damages that your vehicle may have caused during an accident. The majority of states require drivers to carry this coverage. When youre in a bad accident, the property damage can be expensive. Therefore, by having a high amount of coverage in this area, you may actually save money. Carpooling or taking public transit can save you money on your auto insurance. Impress your insurance companies by keeping your mileage down and they may reward you with lower rates. Try activities, such as taking public transportation or carpooling, to work to see if you can find a way to reduce your insurance premium. Dont do monthly payments for your auto insurance bill. On average, your car insurance provider could be adding $3 to $5 to your bill. The money wasted here adds up fast. This can be troublesome with your other bills. The fewer payments you make, the more money you save. It is prudent to shop around when you are looking for car insurance, as this is a fiercely competitive industry. As you will find, insurance rates vary greatly by the company. Get new quotes every year to ensure the lowest premiums and out-pocket-costs. Being sure that the coverage is the same between the quotes that you are comparing. You are just insuring the cars driver when getting an auto policy. There are many times when an accident happened with a friend who had borrowed somebodys car; the insurance refused to pay. If you do lend out your car, it is probably a good idea to purchase coverage for extra drivers, though this will cost you more money. Consider paying your entire premium up front. Insurers often charge a fee for making monthly rather than annual payments. You might want to try to save a little bit of money before your bill is due so that you can have it available once you do get your bill. Every insurance company operates in their own unique way. If you dont like the quote the company gives you for auto insurance, try their competitors. Insurance quotes can vary substantially. As It was mentioned earlier in this article, before purchasing auto insurance it is important that you do enough research so that you know the specific type of insurance you need. Arming yourself with the necessary information is a great way to make sure you get your auto insurance at the best possible price. Keep the information in this article in mind when you shop for auto insurance and look forward to feeling confident that you got the best insurance deal possible.