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Do not spread your car insurance bill into monthly payments for insurance; do it quarterly. Your auto insurance company may add three to five dollars to your monthly bill. These extra fees can become significant over the year. Adding another bill to your monthly bills can create a hassle. The fewer payments, the more money you save.Know about what limitations you may face; what are the deductibles, the deductibles, are a few good questions to ask.Insurance rates vary from place to place based on the chances of an accident or theft, and suburbs and rural areas are generally cheaper than cities.Determine what types of coverage you need on your car insurance. Coverage varies widely, giving you lots of options, although many of them will not apply to your situation. You may want to fork over a little extra for collision coverage if you are accident prone.Insurance against uninsured drivers, as well as damage to your car that happens off the road, like in a fire.You can often save money on your car insurance by bundling it with your other insurance package. Try to take part in these deals and get a policy for your house and your automobile. Make sure you are getting a good deal and auto or insuring them separately before making the decision to bundle.Don’t buy your teen a car of his own. Adding them to your preexisting insurance plan is much cheaper. Some insurance even offer good student discounts.Carpool or take public transportation. Insurance companies pay attention when policyholders act in a responsible manner, and driving less reduces their risk, so they will lower your premiums. If you tell your agent that you have been riding the bus or carpooling, chances are they can find a discount to reduce your premium.Get rates from many different insurance agencies before you select the right one for your automobile. You need to shop and ask around in order to find the best one.If you have an accident that requires an insurance claim, be certain to document every detail pertaining to the event. It can also be advantageous to keep a camera on hand in your vehicle.Using the tips and information that you learned from this article, and have another look at your policy. When you know what you to look for, you may be surprised at items that are lacking in your coverage. See if there are any places where it may be beneficial to you to head back to your agent for a new policy.When buying auto insurance, get quotes from different insurance carriers and compare costs. Rates will sometimes vary drastically. Get new quotes every year to ensure the lowest premiums and out-pocket-costs. When you get car insurance quotes from different companies, make sure they apply to an equal amount of coverage.