Auto insurance policies are rife with jargon and complex phraseology. It can be rather easy to become confused. In this article, these terms will be explained so you can know what your insurance agent is talking about. Understanding what the insurance agents are saying is just click for source imperative if you want to make intelligent policy purchasing decisions. Before purchasing a new vehicle, always research insurance rates. Your insurance agent can advise you on the models of cars that can save you money on your 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. Your insurance premiums will be a lot lower if you make sure your new car is one with an excellent safety rating. Before you buy any "extras" for you car, have a conversation with your agent to see if this would change your auto insurance premiums. If your vehicle gets stolen you will want to make sure the expensive accessories you put on it will be covered. The kind of vehicle you decide on will be a huge factor in the cost of insurance. If you want a top of the line, luxurious vehicle, your insurance will be higher. If you want to save money, try purchasing something modest. People think that the cost of insurance always goes down after people turn 25, but this is not always the case. However, your insurance rates will actually start going down once youre 18, as long as you keep driving safely. Cheap insurance, though attractive, is not always the best choice depending on your needs. It may be that you get what you pay for, though it is possible that you have indeed found a true bargain. Investigation of the insurance policy and what terms and conditions their insurance contains is vital before you sign up. You dont want to find out the hard way that you are not actually covered in the event of an accident. Property damage liability is important to buy with any auto insurance policy. Damage liability insurance covers any accidental damage that you are liable for. Only three states do not require this. If you are involved in a car accident, then having this will save you a great deal of money. The best auto insurance advice is to keep a clean record while driving. A car accident will increase your auto insurance rates the most. Know your driving limits, and avoid risks that could cause accidents. For example, if you have trouble with your vision at night, avoid driving after daylight hours. Consider paying your entire premium up front. This is because insurance agencies frequently charge an extra fee for allowing monthly payments. Try paying your entire policy in one sum to save money in the future. If you come across lower quotes from competing insurance companies, discuss it with your agent before making a switch. A repeat customer is valuable in business, and your current agent is likely to cut his or her own quotes to match others and keep you on board. Try removing coverage items from your policy. For example, some policies include collision insurance; if you have an older vehicle that is not worth very much, you do not really need to pay extra for this item. Simply by removing this coverage from your policy, you will notice a substantial decrease in your monthly payments. Comprehensive and liability coverage are some other things you may want to consider cutting. Consider paying the entire annual cost of your insurance at one time. Paying in monthly installments can end up costing you more money. Save money by paying your entire policy upfront. After reading this article, you should have the confidence to make your own decisions when it comes to purchasing auto insurance. Learning about the various discounts, terms and policy types that abound in auto insurance will help you to be a better proponent for yourself and your policies.