Stay up to date and keep learning about auto insurance. The more you know, the more coverage you wil...

1. What Everyone Should Know About Their Auto Insurance
Policy
Stay up to date and keep learning about auto insurance. The more you know, the more coverage you
will get for less money. Here are some tips to help you make better decisions about auto insurance.
Reduce the number of miles you put on your car annually in order to enjoy lower auto insurance
premiums. If you can prove to your insurance company that you drive fewer miles, they are likely to
lower your premium.
Take the bus or carpool. Insurance companies pay attention when policyholders act in a responsible
manner, and driving less reduces their risk, so they will lower your premiums. If you tell your agent
that you have been riding the bus or carpooling, chances are they can find a discount to reduce your
premium.
Basic coverage on your car insurance only allows the coverage to extend to the policy owner of a
car. It is not uncommon for a vehicle owner to lend their auto to someone else, only to find that their
insurer will not pay claims when an accident occurs. There are coverage options that insure only the
car itself, rather than a car/driver combo, but you have to pay extra for these types of policies.
It's a good idea to buy property damage liability when you are purchasing auto insurance. This type
of coverage will cover damage sustained in an accident. Only three states do not require this. If you
do get into an accident, having property damage liability can save you quite a bit of money.
Car insurance rates can actually change based on location. 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.
By subscribing to a bundle package of the insurances you need, you will save money. Look for offers
such as bundling home and auto. To ensure you get sufficient coverage and still pay low premiums,
you might be better off with two separate policies.
You should not buy your teenager his or her own car. Instead, have your teen share a car with other

2. family members. Adding them as a secondary driver to your current insurance plan is cheaper than
giving them their own car insurance policy. If your teenager is on honor roll, it might be good
enough for a discount.
Write down a list of each discount your insurance company offers. Go through that list and put a
check mark next to any that apply to you. You may very well be surprised that by claiming discounts
there is a lot of money to be saved.
Your insurance costs on your automobile can increase if you have points on your drivers license from
tickets or accidents. The better your record is, the less you are going to have to pay in premiums.
Once they have been removed, it might be a good time to get new quotes on auto insurance!
Inform your insurance company about driver changes in your household immediately. Taking
inactive drivers off your policy can reduce your overall insurance cost, because your insurance
company no longer has to cover them.
You need to know how much coverage you need to carry, this may be daunting for some. You need to
make sure that your liability insurance covers all of your assets. Likewise, you need to consider the
cost of resulting medical bills, as well as the expenses you will incur if you are found liable for an
accident. It is very important to make sure you carry enough insurance coverage to protect your
savings and other personal assets.
100/200/100 level liability coverage is a good idea if you have an expensive car. Most states require
motorists to maintain minimum liability coverage levels. Your policy should meet or exceed those
levels.
The information presented in this article has, hopefully, increased your knowledge, which can guide
you in making more informed decisions regarding vehicle insurance. The more you take the initiative
to learn about insurance, the more qualified you will be to make decisions regarding your coverage.
Share these tips with those you care about.