Read These Handy Tips Before You Get Car Insurance

Your auto insurance policy is designed to protect your car, and a lot more. Auto insurance not only protects you, but it protects other people as well. Read over your policy when you get it to ensure that it covers what you think it should. These suggestions are going to help you gain a lot more from your insurance policy.

In many states, auto insurance doesn't insure only the vehicle, but the person driving that vehicle, as well. That means that if someone else is driving the car and totals it, the insurance company will deny the claim. If you do lend out your car, it is probably a good idea to purchase coverage for extra drivers, though this will cost you more money.

 Read These Handy Tips Before You Get Car Insurance

If you keep a clean driving record, it will reduce the cost of an auto insurance policy. You can earn a good-driver discount if you keep out of accidents and stay traffic violation free. If you are a bad driver, you will have higher premiums. The more care you take while driving, the better discounts you will get on your insurance policy.

Instead of spreading out your car insurance payments, pay it yearly or every six months. If you pay monthly, there could be a surcharge of between $3 and $5. Over time, this money adds up to a substantial amount. You may also find an additional bill every month to be an annoyance. If you have less payments you will be better off.

You can be dropped from a new insurance policy in the first two months for just about any reason. They have this time period to verify the information you gave them and investigate your risk level. If an insurance company drops you, it can hurt your cost with others.

An easy way to save money on auto insurance is to enroll in a course on defensive driving. In addition to the discount on your premiums, which most insurance companies offer, you will learn defensive driving skills that make you a better driver on the road. You can inquire about these classes at your local driving school. The Internet can also be a great place to locate these courses.

You should know about different kinds of coverage, and make sure your insurance covers everything. It's important that you have liability in the case that you cause damage or injury, and that damage done to you or your own car is covered as well. In addition, you will need to be covered against uninsured motorists and other potential damages to your cat, for example fire damage.

You may not want to buy after-market add-ons if you don't need them. You do not necessarily have to have seats that are heated or a booming radio. It is unlikely that your insurance company will cover the loss of these add-ons.

When you switch insurance companies, send your cancellation in writing, and keep a copy in your records. Cancelling by phone can mean that your request is not properly recorded, and you may continue to receive bills that you ignore. The company may then report you for nonpayment and terminate your policy, even though you thought you already had! Your credit score will be affected negatively, if it is believed that your policy was cancelled due to non-payment.

Your auto insurance rates are partially based on the type of area in which you reside, so you may want to keep this in mind if you intend to relocate. If you can afford it, you may want to consider moving to a rural area. Look into the cost difference.

Now that you've read the article, go review your policy with your new found knowledge. You might find places you need to add coverage, and most likely some where you will be able to save some money.

Elam Landry specializes in helping his clients get cheap car insurance for young drivers. To learn more about this process, you may want to check out this free information on how to do so.