Your auto insurance policy is designed to protect your car, and a lot more. It also serves the purpose of protecting other drivers, passengers and their vehicles, as well. You need to know that it covers all the things you need it to. The following tips will assist you in getting the most out of your car insurance. When purchasing auto insurance for a teenage son or daughter, be sure to compare the cost of adding your child to the policy you have currently and purchasing a separate policy. The type of vehicles that are being insured will factor into the costs, but purchasing a separate policy for a teenager may be less expensive. A lot of consumers believe that insurance premiums routinely drop at age 25. The reality is that after the driver has reached the age of 18, the rate starts gradually dropping. When shopping for insurance for a teenager, compare the costs of getting them a separate policy or adding them to yours. If you have various vehicles, it is sometimes beneficial and cheaper to get them each their own policy. If you increase your deductibles, you can save money. This can blow up in your face if you need to make a large claim, but so long as you save money to cover anything insurance wont, you might come out ahead in the end. Generally, higher deductibles mean lower premium costs. Your car insurance is strongly affected by traffic tickets and points influencing your driving record. Conversely, the less points you have on your license, the lower your insurance costs. When these past events are removed from your record, ask your agent for a new quote based on your current status. Decide how much coverage you need when shopping for auto insurance. There are many options available, but they may not all make sense for your situation. However, collision coverage can be a wise choice for those who find themselves in a lot of accidents. Geographical location can have either a negative or positive affect on your insurance premiums. Some areas have higher insurance rates because of theft. Stay away from sports cars. It is more expensive to she said get car insurance for sports cars. Family-friendly cars tend to be the cheapest to insure. Generally, if the car has a big engine, you can expect to pay higher insurance premiums. Sporty cars are more expensive to insure because they are usually the cars that thieves steal. Dont buy your teenager a car of his own. They should drive a car that you already have. Putting a teen on your policy is much cheaper than getting them separate insurance. Good grades at school can actually give an insurance discount. Consider subscribing to bundle insurance, as this can often save you money. Search for these types of offers, especially those that bundle auto and homeowners insurance. To ensure you get sufficient coverage and still pay low premiums, you might be better off with two separate policies. If you come across lower quotes from competing insurance companies, discuss it with your agent before making a switch. Oftentimes insurers will offer you more competitive premiums in order to keep your business. If your car is in good shape and you have few assets you need to protect, a great car insurance tip is to get coverage that is 100/200/100 level. In a number of states, you must carry a minimum amount of liability insurance. Therefore, you should ascertain that your policy is written in line with the state requirements at the very least. As you see, getting the right coverage for your car is not as difficult as it may seem. You really can get good rates if you shop around and inquire into carrier discounts.