If you drive a car, you need auto insurance. But how do you know what kind of auto insurance you need, or how much you need? The amount of options available can overwhelm even the best of us. Choosing the right policy for you does not have to be a daunting task. These tips will help you to learn the ins and outs of auto insurance. If youre insuring a teenager, check what it would cost to add them to a current policy, and then compare that to what their own policy would cost. In some cases, you may want to insure your teenager separately. Make sure you keep your license clean. When accidents and tickets are on your driving record, your insurance costs can go through the roof. If you already have a infraction on your license, check with your insurance company to see if attending traffic school, or a safe driving course can get your premiums lowered. When youre in the market for car insurance, you will want to understand what protection the various coverage types will provide. Even though you may be getting insurance for one vehicle, there are many factors involved in the final cost. To be covered for all costs that might arise if you hit someone with your automobile, you need bodily injury liability. Try to ride buses or take a carpool. Insurance companies love it when a consumer shows responsibility, and lowering your mileage is one way to show this to them. By telling your agent about the times youve been carpooling, he can then consider incorporating a discount to lower your premium. Whenever possible only carry one family member per car. This should help keep the premiums low. Having only one name attached with each car will net you a better price on your insurance. Comparing the costs of different insurance policies for your car is not the only important factor. Look through the find print so you know exactly what you are liable for if you have an accident. Insurance is the ultimate protection against any type of accident or disaster happening to your car. Choosing a reputable company and thorough coverage will leave you with only the cost of the deductible to deal with in such an occasion. Car insurance rates depend on geography, so if you are moving, it might be time to reevaluate your coverage. Often times, the state-by-state rates can depend on the likelihood of accident of theft. Most rural areas have lower insurance rates than big cities. Raise your deductible to save some money on premiums. If you do dig this not have the money on hand to pay your deductible, this can be risky. However, by diligently saving enough to meet this amount, you can save lots of money on your premium by electing to raise it. You can save more on your premium if you pay a higher deductible. Keep one name to one car or else your premiums will skyrocket. You will pay less if there is only one driver associated with each car. There are many factors that can affect the price of your car insurance. You can control how far you commute, your driving history and your credit rating. By taking a look at factors, such as mileage, you can reduce your car insurance premium.