Taking a step into the world of auto insurance plans for the very first time might feel somewhat daunting. By keeping the helpful tips that are listed below in mind, you will soon find out how to find the most affordable auto insurance plans with good coverage for your vehicle.

To save money on your car insurance, choose a car make and model that does not require a high insurance cost. For example, safe cars like a Honda Accord are much cheaper to insure than sports cars such as a Mustang convertible. While owning a convertible may seem more desirable at first, a Honda will cost you less.

Get new quotes on your auto insurance when your situation changes. If you purchase or sell a car, add or subtract teen drivers, or get points added to your license, your insurance premiums change. Since each insurer has a different formula for figuring out your premium, always get new quotes when your situation changes.

Students are usually offered a lot of discounts when it comes to auto insurance. If you’re a student looking to save money on a policy, check out resident student discounts. These discounts are for students who only use their vehicles during the weekends, holidays and summer months. You can save some big money with this discount.

There are many ways to save money on your auto insurance policies, and one of the best ways is to remove drivers from the policy if they are no longer driving. A lot of parents mistakenly leave their kids on their policies after they’ve gone off to school or have moved out. Don’t forget to rework your policy once you lose a driver.

Try taking the bus or joining a carpool. Insurers love when their clients are responsible and they can reward them by lowering their mileage. Try to use public transport more often, and you may be eligible for a discount.

Keep a camera in your car at all times. In case of an accident, you are going to need documentation for your insurance company. Take photos of the accident from all angles, and make sure to include time and date stamps on them. Take these to your agent when you file your claim.

Having more vehicles than one needs is a way to pay more than one needs to be paying for insurance. By selling or storing cars or anything else that one does not use often they will no longer have to pay insurance on that vehicle. It will save them money off their insurance.

In order to save money, consider switching from a monthly payment plan to a yearly or semi-annual payment plan. If you’re currently paying premiums by the month, you may be paying extra for the additional handling required to process your monthly payments. If you can afford to pay your premiums up front for a year, for example, you may gain significant savings.

Be a safe driver. This one might seem simple, but it is very important. Safer drivers have lower premiums. The longer you remain a safe driver, the better the deals are that you will get on your car insurance. Driving safe is also, obviously, a lot better than the alternative.

If your car is deemed to be “totaled” don’t fret. In many cases this can be one of the best things to happen to you. Although you may be without a car for a small period the insurance company will eventually provide you with the value of your previous car to apply towards a new car.

You shouldn’t buy a vehicle unless you check the insurance rates on it first. You may find the car you really want has higher insurance rates for many different reasons. It may have a high rate of being stolen or wrecked, which can cause your insurance to be higher and you will be paying more for it.

If you are involved in a hit and run accident, you need to report it to your insurance company right away. They will be able to send an insurance adjuster to the scene of the accident. They will take pictures and sometimes they are even able to cut you a check to get your car repaired right there on the spot.

Before buying a new car, you should research the frequency with which the particular model is targeted by thieves and vandals in your area. Cars that are popular with thieves are unpopular with auto insurance companies. They can and will charge a higher rate for a model that is especially attractive to criminals.

Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state’s insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month.

Smart drivers repeat the insurance comparison-shopping process regularly (checking every six months is ideal) to ensure that they do not miss the opportunity to switch to a better insurance company. Insurance policies and special offers change all the time. A quick price check takes little time and the potential benefits can be huge.

When shopping around for car insurance, it’s important to make sure that all your quotes are for the same coverage limits, and options. This way, you’ll have a better understanding of what your premiums will be, and can see if companies offer the same or more discounts. If you’re getting other types of insurance through the same company, make sure these are included in the quote as well.

Don’t just walk away from an insurance policy when you buy a new one. If you don’t notify your auto insurance company that you’re changing insurers, your policy will most likely be cancelled for failure to pay. This leaves a negative mark on your record and can result in higher rates in the future.

So, after reading and applying the helpful tips listed above, you should feel a bit more at ease in the world of auto insurance plans. You have the tools, and you need to use them. You should feel confident and ready to begin looking for auto insurance plans to better protect your vehicle.