Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you will be a more informed consumer. Liability insurance is what google did to me required in many states for those who operate motor vehicles. You should check the legal requirements for the state where you live, and make sure that your coverage meets the established minimum. Not having insurance will have you facing many financial and legal consequences if you get into an accident. When signing up for your auto insurance, remember that only you are covered unless you specifically add others to your policy. In the event you let your friend borrow your car and s/he gets has a wreck, your insurance company will be very unlikely to pay. You could always pay more for insurance so other people can drive the car. To save money when pricing car insurance for your teenage driver, make sure you price out a separate policy for them and compare the cost to how much it will change the price if you add them to your current policy. Depending on the kind of vehicle they will be driving, it may be cheaper to purchase a separate policy for your teen. Price isnt everything when deciding on an insurance plan. Cheap may say it all or it may be a great find. It is important to know the company well before deciding to buy a policy. When purchasing car insurance, add property damage liability to your policy. This type of insurance covers any property damage your car does during an accident. Most states actually require you to maintain property liability insurance. Buying property damage coverage will protect you from costly lawsuits that might follow from an accident. When you are considering car insurance quotes, the amount of your annual premium will cost is just a minimal part of the factors you need to consider. You must examine the fine print, so you will know the deductibles you will have to pay in the event of an accident, the levels of coverage and the limits on benefits provided. The best way to keep your insurance down is to avoid tickets and accidents. Nothing else will make your premiums jump higher than having an accident. Avoid dangerous situations and know your driving limits to ensure you stay safe and pay less. Dont drive at night if your visibility is poor at these times. Keep your current insurance policy until you know are willing to make the change to the next one, and you have been underwritten for the new policy. Being without automobile insurance, even for a short time, is not advised since accidents can happen any time. There are many aspects to car insurance and one small part of comparing quotes is to look at the annual premium costs. Make sure you get information on all of a policys details, such as the amount of your deductible if you are involved in an accident, the limits that are placed on any benefits you receive and the levels on your various types of coverage. You should keep records on your insurance payments. Having proof that you have paid your insurance can save you problems, especially if you receive a ticket. Driving without any form of car insurance is illegal in most states. If you were to get into an accident, car insurance would be the only thing that would keep you from going into a possibly devastating financial situation. These tips should be used to help you along with your search for an insurance company.