Read these helpful hints about insurance providers to help you get premiums that you can comfortably afford. There are several sets of criteria used to determine insurance rates. If youve been thinking about adding aftermarket parts to your car, check with your insurance company to see if they will cover the damage of these parts. It is most common for the insurance company not to want to cover the individual parts, but will likely cover the value of the total vehicle. Before you buy a car, you should research the insurance rates on the vehicle you are considering. Your insurance agent should know which cars have low premiums. Doing so can help when buying any type of new or used car. Your insurance premiums might go down dramatically if you settle on a car with superior safety ratings. You can purchase insurance that covers more than just the minimum requirements. You will pay more if you choose these add-ons, but, in many cases, they are worth the money. One important coverage to carry is coverage that protects you from uninsured motorists. Car insurance rates can vary depending on your location, so keep this in mind when planning a move. The insurance companies look at the theft rate, and will raise the policy if you live in an area where that is high. If you live in a city, you will also have to pay a little more for your car insurance compared to living in a suburb or rural area. Carpool or take public transportation. Reducing your mileage is a good way to demonstrate to your insurance company that you are a responsible individual. You could have a discount that lowers your premium if you let your agent know that you use a bus or carpool. To keep your insurance rates low, pay on time and never allow your auto insurance coverage to lapse. Moving from this carrier to another one could cause a lapse in your coverage. Insurance companies will use the gaps as an excuse to raise your rates. Consider removing some of the coverage from your insurance policy that you no longer need. Collision insurance is not necessary if you own a car that is not necessarily one with a lot of value. If you get rid of the insurance, it will save your money. You can also consider dropping comprehensive and liability coverage. Do not pay the monthly payments for insurance; do it quarterly. You can save around 5 dollars a month if you do this. Over time, this money adds up to a substantial amount. It is also a time consuming task when taking into account your other bills. Making fewer payments is a better option. If you want to switch to a different auto insurance company, make lowest price sure you have a new policy in place before you cancel the one you have. Do not go without insurance for any reason because you can always get into an accident. Different insurance companies use different methods for determining insurance premiums. If you are unhappy with the quote you received on your car, be sure to check out several competitors as they all have different prices available. Documentation is key when you need to file an accident claim. While on the scene of the accident, make sure you snap a few photos of the damage with your cell phone. Trying keeping a camera in the vehicle too, just in case. If there are drivers that are listed on your policy who dont drive your car any longer, have them taken off as soon as possible. Removing people from your policy has the possibility of saving you money, because the insurance company is going to be covering one less person. You may have noticed that you can totally change the price of your car insurance. The location of your residence, your driving record and the amount of driving you do are factors that are controllable. If you do what you can to optimize these variables, you can save yourself a bundle on auto insurance premiums.