Everyone who owns a car needs to find insurance for it. Considering all the options and choosing the right one might not be easy. It is crucial to get the best insurance that not only meets your needs, but is affordable as well. Prior to shopping for auto insurance, you should do your research and identify exactly what you need in an insurance policy. Within this article you will find useful tips on how to get the most from your insurance dollars. Know the limits of your insurance coverage before you install valuable aftermarket parts on your automobile. Often, the company will only cover the value added to the entire car, not the actual cost of the additions. Letting your auto insurance coverage lapse will raise your insurance rates. Lapses often occur when you change your carriers or even when you simply change policies. If the insurance company you are moving to finds that you have gone any length of time without insurance, your monthly rates may increase. Be careful to never lapse on your coverage since this could increase the amount you would have to pay for your auto insurance. Lapses can easily occur when switching carriers or policies. Use caution and proper timing. To protect themselves, the insurance companies will raise rates when they discover a lapse in coverage. Decide how much coverage you need when shopping for auto insurance. Coverage varies widely, giving you lots of options, although many of them will not apply to your situation. However, if you are not a great driver or have gotten in a number of small crashes or fender benders, maintaining collision coverage is probably a good idea. It is a common misconception that the cost of auto insurance automatically drops as the driver reaches 25 years of age. Actually, a drivers insurance rates gradually start to go down when they reach the age of 18 provided that the driver has a clean driving record. Think twice about add-ons for your vehicle that you might not need. Luxuries in your vehicle, while nice, are not a necessity. Insurance never reimburses these types of add-ons. The premium rates of your car insurance can be raised considerably by the presence of points and tickets on your driving record. Along the same lines, though, as the points expire they will drop from your driving record and youll be in a position to get lower prices on your premiums. Once this happens, its wise to do some comparison shopping on auto insurance rates again. If you are ever in a car accident and need to file a claim, you should make it a point to thoroughly document everything related to the incident. Use your cell phone to take pictures of the damage and where the accident took place. Keep your camera in your glove box if you do not have a camera on your phone. Be sure that only the people who actually drive your vehicle are included on your insurance policy. Extra drivers mean extra risk, so removing drivers is one way to reduce a premium. The states website should have customer complaint statistics for most of the insurance companies in your state. What this number indicates to you is the percentage of provider claims that result in a complaint. Think about 100/200/100 coverage if you have a decent vehicle. State law often requires a certain amount of liability coverage, so it is important to be sure that your own policy meets those minimum thresholds. If there are drivers that are listed on your policy who dont drive your car any longer, have them taken resources 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.