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Ten Tips on Optimizing your Automobile Insurance

If you own a vehicle, you're required by law to have car insurance. Although it's in your best interest to have full coverage, you are only required to liability insurance on your vehicle, which pays any damage you do to another person's vehicle if you're at fault. Auto insurance is quite costly and it pays to know how to get the most out of your policy. Here are ten tips to help you next time you're shopping for discount auto insurance.

1. Whatever you do, don't let your insurance policy expire. If you don't keep continuous coverage, you'll be penalized in your rates when you do renew.

2. If you own an automobile which you do not drive because it's not running or the vehicle is simply garaged for the time being, obtain a certificate of inoperability from your local DMV and notify your insurance company. This will prevent the DMV from levying fines and your car insurance company will not penalize you for lack of proper coverage.

3. If you're married, but only one of you drives, you'll often get a better rate if you are both included on the policy.

4. If you're shopping for a new vehicle, consider the color in terms of your auto insurance rate. For example, a red vehicle will cost you significantly more to insure than a white vehicle of the same make and model. Auto insurers say that statistically, red vehicles are in more accidents than vehicles of others colors. If you're under 25, this is of important interest. Call for car insurance rates before you buy.

5. If you have a classic or vintage vehicle, you will not be paid the full value if it's totaled unless you obtain a 'declared value' clause which states that the vehicle is certified to have a certain dollar value.

6. Don't try to falsify the facts when the agent asks about your driving record. They do verify. Lying can cost you.

7. Finishing an intensive driving course program can save you a bundle on your auto insurance. Such programs do make you a safer driver and better risk which means potential savings for you.

8. If you do not have personal health insurance, be sure your medical coverage is up to paying hospital expenses if you are hurt in an accident.

9. Although most car insurance companies offer monthly payment plans, it's best if you pay ahead for a full six months if you can afford it.

10. You'd be amazed at the difference in auto insurance rates between various car insurance companies. If you get a quote from a broker, rather than an individual low car insurance company, the broker shops could offer you a good rate as well.