Speak to your insurance agent before you buy expensive mods or add-ons for your car. You may put out $1,000 for a fancy stereo system for your car, but if the car is stolen, your insurance is only going to reimburse you for the $30 value they add to your car's actual function.

In addition to coverage that is legally mandated, there are other types of insurance protection you may choose to add to your insurance portfolio. In the end, the extra expense of some insurance policies may be worth it. Obtaining uninsured motorist coverage makes certain you will be compensated if you are involved in an accident with a driver who has not purchased insurance or if you are hit by someone who hits your car and flees the scene compare auto insurance quotes.

Don't sign a car over to other family members frequently. You can get a better premium rate if you have just one person listed as the registered driver for a particular vehicle.

You will serve yourself better by acquiring various quotes for car insurance. The rates are not the same for all insurers. To make sure that you are not spending too much on your insurance, you will want to shop around for new quotes at least one time ever year. Make sure this year's quote is for the same coverage as last year compare car insurance rates.

If you can pay your annual car insurance premium all at once, do so instead of paying monthly. Your insurance company could be adding an additional three to five dollars to your bill. It may not seem like much, but it adds up quickly. Adding another bill to your monthly pile can also turn into a nuisance. Less payments means more money.

If you want to save on insurance, get one that is less sporty. Sports cars are going to cost you a lot more to insure. Choose a smaller car with a less flashy profile. When the vehicle has a large engine, or is a racing motor cheap auto insurance rates, it will be more expensive to insure because people have more accidents with cars like that. Expensive vehicles are frequently targets of theft. This factors into your insurance cost.

Increase your deductibles to cut down on your expenses. Even though this can be risky, it can be an excellent method of saving if you can make the initiative to put some money aside, so that you can pay the deductible in case of an accident. Generally, higher deductibles mean lower premium costs.

Get a listing of discounts from your insurance agent. Go through the list of discounts to be sure you get every one that applies so you save money.

Don't purchase a separate car for your teenager. You can save money by sharing a family car. It will be much less expensive to add your teenage driver to your existing insurance plan, too. If your teenager is on honor roll, it might be good enough for a discount.

Look over your policy to see whether or not you are covered if someone without insurance hits you. Consider the fact that it does increase your premium. You protect yourself from facing the horrible situation of being hit by an uninsured driver.

Do some quick research on your prospective insurance company's reputation. It's important to find insurance you can afford, but that's not the only important consideration. When you buy cheap car insurance, you very often get to experience first hand the old adage of "getting the service you pay for." You often later find that the low cost is at the expense of good service.

The purpose of this article was to arm you with knowledge so that you can make smart choices. You will find that you are more knowledgeable and confident about making your selection. If you think your family and friends could also benefit from this advice, then by all means share it!