Finding affordable auto insurances is simply a matter of sticking to the insurance company’s rules and following these tips. It pays to know the criteria that providers use to determine what rates to give drivers.

A great way to reduce your insurance bill is by lowering your mileage each year. The majority of car insurance companies offer a discount for drivers who log less miles.

When thinking of buying aftermarket car additions, check with your insurance company on how much they will cover if ever your car gets damaged or stolen. It has been found that most insurance companies do not pay for these parts, and they mostly just calculate the total amount the car is worth, without taking extra into consideration.

When you are shopping for a new car, keep insurance rates in mind, too. Speak to your insurance agent ahead ahead of time to find out what cars have the lowest rates. Knowing the amount of insurance you will need to pay ahead of time can help in your choice of a new or used car. A higher safety rating means lower insurance policies.

When purchasing auto insurance for your teenager, consider your options. In some cases, it would be cheaper for you to get a separate plan for your child, than it would be to add him or her to your current one. The type of vehicles that are being insured will factor into the costs, but purchasing a separate policy for a teenager may be less expensive.

It is commonly believed that car insurance rates will always drop when a driver turns 25 years old. The reality is that rates start going down around age 18 as long as it is a safe driver.

Most auto insurance policies are actually issued on the particular driver who buys the insurance, not the car itself. Many times people will let a friend borrow their car, and if they get in an accident, the insurance refuses to pay. It is possible to obtain insurance that permits additional drivers, though it will be more expensive.

Sports cars will require you to pay more to insure your vehicle. Insurance companies charge higher rates for insuring a sports car. Choose a smaller car with a less flashy profile. Vehicles with larger engines are more expensive to insure. Sports cars also cost more for the insurance, because they are stolen more often than other cars.

Don’t take the first cheap quote you find. The insurance may not cover everything you need. Get to know as much as you can about the insurance company and policies it offers before trusting them with your insurance business.

If you want to switch to a different auto insurance company, make sure you have a new policy in place before you cancel the one you have. Auto accidents can happen at any time, so make sure you always have insurance.

The article you just read should have shown you that cheap, reliable auto insurance is out there. By using the tips in this article, it is possible to bring down your premiums.