When shopping for auto insurance, be sure to know the different types of insurance coverages. There are several factors that can effect the total cost of your premium, even if you're only buying coverage for one car. The legal costs associated with things such as serious injury or death in an accident you cause are covered by bodily injury liability policies.

Know the limits of your insurance coverage before you install valuable aftermarket parts on your automobile. Some insurance policies will only repay the value that such parts add to the car's total value, which can be much lower than the cost of replacing them.

Check insurance rates for different car models before you go car shopping. Insurance agents will be able to research which automobiles have better rates. This should help you choose your next vehicle, whether it's new or used. You'll save a good amount of money if you buy an automobile that carries an excellent safety rating.

You should limit how many household members you have on your insurance policy. To get a better insurance quote, only have one name on each car.

Do not spread your car insurance bill into monthly payments. It is common for insurance agencies to add around $4 to a monthly bill. These extra fees can become significant over time. Adding another bill to your monthly pile can also turn into a nuisance. Less payments means more money.

Consider raising your deductible to save money. This is a risky move, but if you want to save money each month and have the willpower to put money away to pay a deductible if you are in an accident, it is a great way to save money You can save more on your premium if you pay a higher deductible.

Don't jump right away on the cheapest auto insurance quote you receive. The insurance may not cover everything you need. It is important to know the company well before deciding to buy a policy.

Get your auto insurance agent to give you a listing of every discount the company offers. Take note of ones you qualify for, and try to get those discounts. This will save you the most amount of money possible.

Even if you are certain you would like to change automobile insurance companies, it is smart to maintain your current policy until you have secured the next one. Auto accidents can happen at any time, so make sure you always have insurance.

Think about 100/200/100 coverage if you have a decent vehicle. Many states have minimum requirements for liability coverage, so be sure your policy meets or beats those required levels.

The consumer complaint ratio should be available for most of the car insurers in your state. This number reveals the percentage of complaints for a given provider.

If you want to get a better insurance rate, be sure to make sure you have the highest FICO score possible. Many people do not realize that auto insurance providers perform credit checks. More insurers have factored credit scores into their rating models lately, especially since studies show that people with poor credit tend to get in more accidents. If you have good credit, you can get good deals on insurance.

Taking unnecessary drivers off of your vehicle insurance policy can save you money on your monthly premium. You can save a great deal by removing drivers who do not actually drive your vehicle. By removing young drivers from your insurance, you will reduce the cost of it.

It is important to keep excellent record of all paid insurance bills. If there happens to be a problem with your insurance company, you can show this proof, in case you are pulled over, and keep from getting a ticket for not having insurance, on top of any other tickets you may receive.

The tips listed here are able to help most people. Be sure to use these strategies, and use them for the kind of car insurance that interests you. You should get the cheapest plan that makes you comfortable; these tips should have guided you towards your decision.