Auto insurance is a legal requirement for anyone who owns a car, in many states. Driving without auto insurance can result in severe legal penalties, such as fines or even, jail time. With this in mind, selecting the auto insurance that suits you can be hard. The tips in this article should be able to help you.
One of the best things that you can do to get cheaper auto insurance is decrease your annual mileage. Most insurance companies will give you a quote based on 12,000 miles a year. If you can work something out by decreasing this number your insurance premium should go down as well.
Start carpooling. Many car insurance providers will charge you less if you do not drive your vehicle often. If you drive less than 7,500 miles a year, your premiums might be significantly lower. If you are unable to carpool, try taking the bus or some other form of public transportation.
Make sure you understand what coverage you are buying. A cheap beater car that you bought for a song doesn’t need comprehensive coverage. It would be cheaper to buy a new car than to have it replaced. Learning the differences between the types of coverage will make you much better prepared when reviewing quotes.
If you’re involved in a car accident, it is usually a good idea to call the police and file a report, just to make sure you satisfy any requirements of your insurance company. Of course, there are certain situations that always require police involvement, such as when there are injuries or one of the drivers flees the scene. However, there are other times when you may need documentation by the police to substantiate your claim. This can happen if the driver who caused the accident refuses to provide you with his insurance information or if he admits that he doesn’t have any insurance. A police report also contains a very detailed description of the incident, which is helpful when your mind is occupied by other factors, such as the damage to your car and your concern about the safety of your passengers.
Keep your driving record clear of an tickets or violations. If you don’t have any speeding tickets or accidents, this can make your insurance lower. It shows insurance companies you are a safe driver and that you care about your driving record. A clear driving record will make your rates lower.
When searching for an auto insurance policy that is right for you and your vehicle, be aware of how much coverage you actually need. It is dangerous to be underinsured, but if you have have too much insurance, it can be an expensive mistake since you are paying for what you may not need.
As stated before in this article, auto insurance is required by many states. Those who drive without auto insurance may face legal penalties, such as fines or jail. Choosing the right auto insurance for your needs may be hard, but with help from the tips in this article, it should be much easier to make that decision.