Choosing a particular car insurance plan can prove to be a hassle for you. Although this type of insurance isnt overly complicated, it does take a certain amount of research on your part to ensure that you get quality, fair priced auto insurance coverage. The following tips are offered to help you make a smart purchase when it comes to insurance for your vehicle. Keep your driving record clean. Any accident reports or moving violations on your record will greatly increase your insurance premiums. You can have cheaper insurance and improve your driving record by attending traffic school. If you want to buy aftermarket parts or decorations for your car, ask your agent about the insurance consequences. Expensive additions to your vehicle will increase your personal value for the car, yet may not increase the appraised value much, if at all. When purchasing car insurance, it is important to keep in mind that they are only insuring the driver of the car that is on the policy. Many times people will let a friend borrow their car, and if they get in an accident, the insurance refuses to pay. If you want coverage that will cover any driver of your vehicle, you can get it; however, it will cost a bit more. When you are shopping for car insurance, get multiple quotes. Many times, different companies will offer very different rates. You should look around for a new quote about once per year. When you are looking at insurance quotes, check the levels of coverage to make sure they are the same. Switching vehicles between members of the family can click over here raise premiums. You will get a better price that way. Most states require liability insurance for drivers. It is your responsibility as a citizen to know whether or not your state requires auto insurance, and to adhere to the minimum coverage level for your state. If you get into an accident, and you do not have insurance you will suffer financially, but there is also a chance that you can get in legal trouble. Maintaining a spotless driving record is easily the soundest advice you will ever get for car insurance. Car accidents are the number one thing to raise your insurance rates. Be mindful of your limitations when you drive, and steer clear of situations can lead to accidents. If your night vision is not up for driving then, do not do it. Comparison shopping for vehicle insurance is not only about which has the lowest total annual cost. 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. You may request quotes when shopping for car insurance, but quote shopping is only part of your selection strategy. Know about what limitations you may face; what are the deductibles, whats the level of coverage and what kind of limitations youll face, are a few good questions to ask. A ratio of consumer complaint statistics should be accessible for the major providers found in your state. These figures indicate the percent of complaints that are associated with the claims of a provider. Use this advice to make smarter auto insurance choices in the future. Learning all that you can about your options is the most effective way in overcoming your confusion around auto insurance.