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If you have a car, you need to insure it. Getting insurance for the first time can seem a bit overwhelming. You have to find an insurance policy that has everything you need, and also does not cost too much. Before purchasing auto insurance, it is critical that you do research and know the exact type of insurance you need. Continue reading to discover some excellent tips regarding auto insurance.

Get quotes from a variety of insurance companies before purchasing a policy. Every company is different when it comes to how they determine your premium. Getting multiple quotes is the best way to find a policy that fits your budget and your needs.

Know the limits of your insurance coverage before you install valuable aftermarket parts on your automobile. Most of the time, they will not cover those unless they add value to the car, but that may not be a lot.

It is prudent to shop around when you are looking for car insurance, as this is a fiercely competitive industry. There can be wide variation in rates among the various auto insurers. To ensure you're getting the best bang for your buck, make it a point to shop new quotes at least once per year. You should be sure that you are getting the right coverage when researching insurance companies.

You should check with your insurance company about your coverage limits before you add any aftermarket upgrades. Insurance companies usually will cover only the value these parts add to your car, and that is probably not much.

Sports cars will require you to pay more to insure your vehicle. Although fast and furious sports cars are impressive, they also cost a premium to insure. You should stick with an average vehicle. Those with high performance engines will be expensive to cover because they are involved in more accidents. Sports cars are targets of theft, therefore the insurance will cost more.

If you want to switch to a different auto insurance company, make sure you have a new policy in place before you cancel the one you have. Even the briefest lapse in insurance is a huge risk to take, and your state may even fine you.

Instead of spreading out your car insurance payments, pay it yearly or every six months. Your auto insurance company may add three to five dollars to your premium. It may not seem like much, but it adds up quickly. This can be a burden in addition to your monthly expenses. The fewer payments you have to worry about, the better.

You should understand the different coverage types available and whether or not your insurance policy covers all possible situations. Liability insurance covers your car's repairs in the event of an accident as well as the repairs for the other person involved. It also covers medical payments should hospitalization be necessary. You will also want to consider the need to insure against damages caused by uninsured drivers. Collision insurance and comprehensive insurance are the options that will provide coverage for damages to your own vehicle.

Don't take the first cheap quote you find. The cheap insurance you found might have gaps in coverage, but it might also be a diamond in the rough. You have read through this article and have a better appreciation about Cheap Car Insurance, hopefully.