Car insurance is not designed solely to protect your vehicle. It is also a protection to you and every other car on the road. Carefully check the actual coverages in a policy before you buy. Your financial security can be threatened by inadequate coverage in case of an accident. These tips were written to help you get the most of your auto insurance.

You should make every effort at keeping your drivers license clean. Accidents and moving violations on your record will drastically compare classic car insurance increase your insurance premiums. If you cannot avoid an accident or a driving citation, look into going to traffic school to clean up your record and lower your insurance.

If you are thinking about buying aftermarket parts for your vehicle, speak with your insurance company to find out exactly what and how much they pay if your car was in an accident or stolen. Often, the company will only cover the value added to the entire car, not the actual cost of the additions.

Lots of people hold the false belief that insurance rates magically drop at 25. However, the truth is that rates slowly decrease from the time a driver turns 18 years old, as long as he or she maintains a clean driving record.



You can purchase insurance that covers more than just the minimum requirements. In the end, the extra expense of some insurance policies may be worth it. If you buy uninsured motorist coverage, your insurance company will pay out in the event of a hit-and-run accident or if you are involved in an accident with someone who does not have insurance.

It's important to sit down and figure out how much auto insurance coverage you truly need. Not all coverage options make sense for everyone. However, if you are not a great driver or have gotten in a number of small crashes or fender benders, maintaining collision coverage is probably a good idea.



Don't share cars among family members, as this will increase your premiums. Typically, you will get a better price by only having one name attached to each vehicle.

Think twice about spending big bucks for after-market equipment for your car. While any person could enjoy heated seats or even a top of the line speaker system, you might be better served saving the money for a rainy day. Insurance will rarely reimburse you for any of the tempting luxury extras added to your vehicle after purchase in case of damage or theft.

Using the tips and information that you learned from this article, and have another look at your policy. When you look at your policy, you may see certain stipulations you do not like, and thus, need your policy to be fixed.