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Property damage liability is an important to buy with any auto insurance policy. This coverage will pay for any damage you have a car accident. There are only three states that do not require you to have this coverage.The best auto insurance advice is to keep your driving record while driving. A car accident can bump up your insurance premium. Know your limits when driving, and stay away from any situations that you are not comfortable in.Sit down with your car insurance agent to prove that you are correctly covered before personalizing your car. Expensive additions to your vehicle will increase your personal value for the car, yet may not increase the appraised value much, if at all.Don’t jump right away on the cheapest auto insurance quote you find. Cheap could just mean poor coverage or it may be a great find.Not all car insurance providers are made the same. If you do not care for the most recent quote you got, request quotes from other insurance companies.Conversely, whenever these things are removed from your record, the lower your insurance costs. Once this happens, it might be a good time to get new quotes on auto insurance!Your chosen vehicle will strongly affect the size of your monthly insurance payment. If you want a top of the line, luxurious vehicle, your insurance will be higher. Choose a vehicle that is in your price range and right for your needs. A dependable vehicle is worth more than an expensive price tag. You can save a lot of money by buying a vehicle responsibly.Consider paying your annual insurance policy in one payment. There are many companies that charge you a fee for paying your insurance in monthly payments.As recognized earlier in the article, you can change some of the factors that affect the cost of your auto insurance. Things that you are able to influence include the location of your residence, the amount of driving you do and especially your legal driving record itself. By learning how these factors effect you, you can reduce the cost of your insurance to an amount that you are happy with.