Motor vehicle coverage is for more than just the body of your car. Auto insurance not only protects you, but it protects other people as well. You need to make sure the coverage you get fully meets all of your needs. You can use your auto insurance policy to its greatest benefit by applying the ideas in this article.
Avoid getting any infractions on your driver’s 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.
When purchasing auto insurance for a teenage son or daughter, be sure to compare the cost of adding your child to the policy you have currently and purchasing a separate policy. Depending on the type of car your teenager drives, it might be cheaper to have them on a separate policy.
Before you buy any “extras” for you car, have a conversation with your agent to see if this would change your auto insurance premiums. You may spend about a grand on some new rims for your car, but if an appraiser values them much lower the difference between the amounts will be lost if the car is stolen.
Compare the cost of adding a teen to your current plan versus getting their own policy, to see which has the most value. Sometimes, getting your teenager their own policy might be less expensive.
Before shopping for car insurance, make sure you assess your coverage needs. You probably don’t need every insurance coverage option. You may want to fork over a little extra for collision coverage if you are accident prone.
Look again at your current auto insurance policy with the above advice in mind. Use this information to evaluate your current insurance policy. You might be surprised by what you find.
