Always do your research prior to purchasing auto insurance. Arming yourself with this knowledge allows you to make the best decision when it comes to choosing insurance prev coverage. Read on for some ways to go about doing this. Do your homework before you make a decision. Every insurance company has their own way of calculating your risk level and premium rates. By checking competitors, you will be able to locate the best deal in which you can save a lot of cash. Make sure to research insurance costs when you are purchasing a car. Your insurance agent can tell you what vehicles have the best premiums. This can assist you when selecting a vehicle, whether its new or slightly used. You wont pay as much on car insurance if you buy a car with a solid safety rating. 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. Be careful to never lapse on your coverage since this could increase the amount you would have to pay for your auto insurance. You can have gaps in coverage if you jump from one company to another. If a company finds these lapses, they will raise your rates. The best tip your can get to reduce your car insurance is to keep your driving record clean. Your rates can increase quickly because of an accident. If you are at risk of getting in an accident try to avoid the situation. If you have poor night vision, avoid driving at night. Dont take the first cheap quote you find. It may or may not be a good deal. Read the fine print on any insurance policy and ask questions of their representatives. Learn about the companys reputation and read the fine print about the policy to make sure its not a headache waiting to happen. If you compare auto insurance quotes, you have to look for more than just the lowest premium. Scrutinize the details in different policies so that you are aware of benefit limitations, application specifics of deductibles, coverage minutiae, etc. It is not always the best idea to purchase a car for your teen. Have he or she share another family car. Then, putting them on your auto insurance will be much less expensive. If your teen consistently gets on the academic honor roll at school, they can get a discount on car insurance. You should not buy your teenager his or her own car. You can save money by sharing a family car. Youll save money by adding a teenage driver to your current insurance policy. If they get good grades in school or remain on the honor roll, they might even qualify you for a discount. 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. As previously noted, there are things that you can control that are factored into the price of your insurance. You are in control of the amount you drive. If you do what you can to optimize these variables, you can save yourself a bundle on auto insurance premiums.