When you are buying a car, be sure to check on the insurance rates. Contact an insurance agent to determine which cars have better rates than others. This can be quite helpful to you when it comes to selecting a car, whether new or used. By purchasing a car that has a good safety rating, you can save a lot on your car insurance.

A common misconception is that your car insurance company will give you a reduced rate once you hit the age of 25. However, if they are a good driver, a young person's insurance rates start dropping at the age of 18.

There are insurance plans beyond what is legally required that offer better protection cheap auto insurance rates. You are going to have to pay a higher deductible, but it might work out for you in the long run. If you are the victim of a hit-and-run or an uninsured motorist, you'll be protected if you have uninsured motorist coverage.

Determine what types of coverage you need on your car insurance. While there are a lot of options available to you, not all of them will make sense. If you car is worth something, however, you will need to get collision coverage to replace or repair your car in the event of an accident.

When signing up for car insurance quotes, remember that only you are covered unless you specifically add others to your policy. There are many times when an accident happened with a friend who had borrowed somebody's car; the insurance refused to pay. 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.

The best tip your can get to reduce your car insurance is to keep your driving record clean. Car accidents are the number one thing to raise your insurance rates. Be mindful of your limitations when you drive, and steer clear of situations can lead to accidents. If your night vision is not up for driving then, do not do it.

Insurance companies are all different. Shop around to find the best deal you can get for free car insurance quotes.

Remove family members from your policy that do not operate your vehicles any longer. Every driver that is on your policy will raise your premiums, so getting rid of inactive drivers will lower them significantly.

If your car is driven a minimal amount of miles each year, let your insurance company know. It could save you money. Find ways to reduce your driving habits and get rewarded with lower payments.

In the unfortunate case of an accident that you have to file an insurance claim for, remember that your insurance company loves documentation. Use your cell phone to take pictures of the damage and where the accident took place. Another option would be to keep a camera with you all the time just in case you should need it in an emergency like this.

If you have a valuable car and hardly any assets you should go with 100/200/100 coverage. In a number of states, you must carry a minimum amount of liability insurance. Therefore, you should ascertain that your policy is written in line with the state requirements at the very least.

It can be beneficial to write down all the safety features your vehicle is equipped with. Theft protection devices and air bags can bring you a discount on your premiums since the insurance company wants to reward the use of devices that reduce future claims. Whether your car is old or new specifically list each safety feature. You may be surprised how much it can save you.

As you have read, you can adjust your habits to save money on car insurance. Some of these include where you live, the distance you commute and your personal driving record. Keep this article in mind to keep yourself educated about ways to reduce your insurance costs.