If you research insurance company policies and shop around, you can get a good deal on auto insurance. There are several sets of criteria used to determine insurance rates.

Keep a clean license. Any accident reports or moving violations on your record will greatly increase your insurance premiums. If you can’t avoid these things, try lowering your rates and cleaning your record through traffic school.

Prior to installing aftermarket additions on your car, find out from your insurer how much will be covered if the car is damaged or stolen. There are lots of cases where the insurance won’t cover these additions.

Check insurance rates for different car models before you go car shopping. Your insurance agent should know which cars have low premiums. Selecting a car with a low insurance rate can help when buying a new or used vehicle. It is possible to save a great deal of money on your automobile insurance if you buy a car that is highly rated for safety.

To keep your insurance rates low, pay on time and never allow your auto insurance coverage to lapse. Moving from this carrier to another one could cause a lapse in your coverage. Insurance companies will use the gaps as an excuse to raise your rates.

Reconsider buying after-market add-ons for your car that you do not really need. A decked out stereo system or toasty heated seats are nice to have, but they are not necessities. The reason is because if your vehicle is stolen or totaled, you will not be reimbursed for its damage.

Geographical location can have either a negative or positive affect on your insurance premiums. Insurance rates differ depending on whether you live in a rural and suburban area as opposed to a city. Usually a rural and suburban area will have reduced rates due to a lower incidents of crime and accidents.

Make sure you understand the different types of coverage available and that your insurance provides adequate coverage for your situation. Liability is important for damage done to people and property, as well as damage to yourself and your own car. You should also be insured against those drivers who are uninsured, along with vehicular damages such as fires.

You should be able to obtain a substantial discount from your insurance company, if your total miles driven is less than 7500 each year. If you are aiming to save some cash on your auto insurance, cutting back on the number of miles you drive could be a good idea.

It is important to understand what the different auto insurance policies cover, in order to determine how much insurance you should need. If you own a lot of things you need to have the insurance to cover them. If you do not have enough coverage you may be liable for any damages over what you carry. You can be sued. You should play it safe and have enough coverage.

Auto insurance that is affordable is not just a myth. You have now seen that you can, indeed, noticeably lower your premiums with the help and advice offered through these tips.