Many people believe that understanding auto insurance policies is too difficult. But a little research can help you sort out the complexities of car insurance.

Keep a clean driving record. Any accidents or tickets will drive up the cost of your premiums. If you have had tickets or gotten in accidents in the past, going to driving school may help to lower your insurance rate.

Insurance companies offer a wide range of coverage and services that go beyond what is legally required. Your cost will be more, but if you get into an accident, it will be worth the extra expense. Using uninsured motorist protection protects you from financial liability if you are the victim of a hit-and-run accident, or if any driver that causes you damage is not carrying insurance.

Reconsider buying after-market add-ons for your car that you do not really need. Luxury items are nice, but they really aren’t that necessary. If your car should happen to be stolen or totaled, those cost of those additional items will not be covered.

Switching vehicles between members of the family can raise premiums. You will get a lower premium if you only have one name on each car.

If you have car insurance, you should have a good driving record. A car accident will increase your auto insurance rates the most. Stay aware of your limits and capabilities as a driver, and keep away from risky driving situations. Don’t drive at night if your visibility is poor at these times.

Switching vehicles between members of the family can raise premiums. If there is a 1:1 correspondence between people and cars, your auto insurance will cost less.

Don’t purchase a separate car for your teenager. Have he or she share another family car. You’ll save money by adding a teenage driver to your current insurance policy. Good grades at school can actually give an insurance discount.

Purchase property damage liability when you buy your car insurance. That will ensure that damage caused by your car in an accident is covered. It’s technically required in all states, except for three. If you get in a car accident, you will save money on replacing a vehicle or parts if you have damage liability.

Don’t cancel your original insurance plan until you’re sure you have another auto insurance company that will insure you. Even the briefest lapse in insurance is a huge risk to take, and your state may even fine you.

Compile a list of every discount your company offers, and then carefully go through that list to see which ones you are qualified for. You may also save a lot by claiming discounts.

Make sure you check into getting coverage for “uninsured” drivers as a lot of people overlook this part. You will want to consider this option if your budget allows for including this type of coverage. This is also the insurance that reimburses you should a driver without insurance be at fault for an accident you’re involved in.

If issues with your driving record are raising your insurance premiums, then you may be able to take action to reduce your rate. Ask your insurance company if they would lower your rate if you completed a driving course, for example. Some companies, including Progressive, let you install a chip into your car so your habits can be monitored and your rate can be reduced accordingly.

Apply these tips to shop for a better policy. Anyone can make better decisions if they have sufficent knowledge about the subject. These tips can also help your friends and family in their decision-making process, so you should share these tips with them as well.

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