If you have a car, then you need auto insurance. However, finding an auto insurance plan that works for you can be a struggle. Here are some things you should know about how to go about getting insurance.

You need to maintain a clean license. Accidents and moving violations on your record will drastically increase your insurance premiums. Once you have something negative on your driving record, you may be able lower your insurance by attending traffic school.

Consider the value of aftermarket parts to your car with regards to what your insurance will pay for them. There are lots of cases where the insurance won’t cover these additions.

When you are in the market for a car, check the average insurance rate of each model you are considering. Your insurance agent can inform you which new cars have the lowest insurance rates. This can assist you when selecting a vehicle, whether it’s new or slightly used. If you purchase a car with a high safety rating, insurance will be quite a bit cheaper.

To make sure that your car insurance is correctly covering you, sit down with your agent before making purchases of things that personalize your car. You can lose a lot of money if you have invested in expensive add-ons and upgrades in a car that ends up stolen.

There are a number of added protections available to you that are that are beyond the legally required minimum. Though your premium rates may rise, you may find that these options are worth it. One good add-on is uninsured motorist coverage, which protects you if you get into an accident with someone who who does not have insurance.

As you shop for auto insurance, remember that your coverage may only apply to the driver named on the policy itself. There are many times when an accident happened with a friend who had borrowed somebody’s car; the insurance refused to pay. Car insurance policies can be purchased at a higher premium, that include allowing other licensed drivers to operate your vehicle.

Stay away from sports cars. Insuring a sports car is expensive. You should stick with an average vehicle. If you have a larger motor, you are going to have to pay more to insure it. Sports cars also cost more for the insurance, because they are stolen more often than other cars.

Be aware that the cheapest insurance quote may not mean it is the best policy for your automobile needs. Cheap may mean just that or it could be what you need. Research the insurance company you are considering buying your auto insurance from. The more you know about them and understand their policies, the easier it will be to work with them in the event of an emergency.

Never drive without auto insurance. Auto insurance can save you a lot of money in the event of an accident. The tips you’ve read in this article will guide you as you look for the best insurance plan for your needs.