There will always be an affordable insurance plan out there that suits you and your vehicle, but you will need to follow some new rules laid out by the companies. The tips written in the paragraphs below will help the cause. Insurance providers go by several criteria to decide which drivers get the best rates.

When you are buying a car, be sure to check on the insurance rates. Your insurance agent can advise you on the models of cars that can save you money on your premiums. This can be a big help to you in choosing a new or gently-used car. 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.



If you drive a car, many states require you to have adequate liability insurance. As a responsible citizen, you should know your state’s insurance laws, and have a policy for at least the minimum requirement for your state. If you happen to be involved in an accident without insurance, you could be in violation of the law and also face serious monetary loss.

A lot of consumers believe that insurance premiums routinely drop at age 25. The reality is that rates start going down around age 18 as long as it is a safe driver.

You need to keep your premiums low and always keep coverage. Switching between many different policies and insurance companies can cause gaps in coverage, even if unintentional. Once the insurance company finds out about the gaps, they will raise your rates.

You are just insuring the car’s driver when getting an auto policy. That means that if someone else is driving the car and totals it, the insurance company will deny the claim. You do have the option of increasing your coverage and your premiums, to ensure that these situations are also covered.

After market additions may be fun and something great to have on your vehicle, but they are also expensive and sometimes really not essential, so always make a wise decision on whether or not you wish to purchase these types of things. Custom rims and a top of the line stereo system are not really necessary for your car. If your car is totaled or stolen, your insurance will not reimburse you for the damage done to it.

Trade in your sports car for something more insurance friendly. People who purchase sports cars end up paying higher premiums. Consider buying a more conservative vehicle. That big engine under the hood could end up costing you more than just gas money when it comes to your insurance policy. Insurance companies charge more for sports cars because there is a higher chance of them getting stolen.

The best tip your can get to reduce your car insurance is to keep your driving record clean. Nothing increases your premiums like getting into an accident. If you are at risk of getting in an accident try to avoid the situation. If you have poor night-vision, then avoid driving at night.

Now you know that affordable car insurance premiums are not a rarity. By using the tips in this article, it is possible to bring down your premiums.