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People who drive less typically enjoy lower rates from their auto insurance companies.

Before you buy any "extras" for you car, have a conversation with your agent to see if this would change your auto insurance premiums. For example, a gps system that cost you $500 may only be appraised as adding a value of $50 to your car. If your vehicle is stolen, you will lose that difference.

If you are driving, a lot of state require liability insurance. As a citizen, it is your responsibility to be aware of your state's auto insurance requirements, and to maintain a policy that meets or exceeds the minimum levels of coverage mandated by your state. Being involved in an accident is bad enough, but if your insurance doesn't meet state requirements, you have extra legal trouble on top of any damage you have to deal with.

Try to ride buses or take a carpool. Insurance companies love it when a consumer shows responsibility, and lowering your mileage is one way to show this to them. If you take public transportation, chances are your insurance agent can find a way to discount your policy.

You should understand that when you buy auto insurance, the basic policy only covers the driver who is named in the policy. It is not uncommon for a vehicle owner to lend their auto to someone else, only to find that their insurer will not pay claims when an accident occurs. You could always pay more for insurance so other people can drive the car.

You have many options for insurance coverage beyond the legally required minimums. Your cost will be more, but if you get into an accident, it will be worth the extra expense. For example, if you get uninsured motorist insurance, you are protected even if the other party involved is illegally driving without insurance.

Think twice about spending big bucks for after-market equipment for your car. Upgrades such as leather seats and a killer sound system are awesome, but these are not things you really need. If your car is totaled or stolen, your insurance will not reimburse you for the damage done to it.

The best tip your can get to reduce your car insurance is to keep your driving record clean. No one event will boost your insurance rates like a collision will. You have to maintain proper control when driving, and prevent yourself from getting in situations that can increase your risk of getting into an accident. If you have poor night vision, avoid driving at night.

Remove family members from your policy that do not operate your vehicles any longer. Although other drivers may increase your coverage, it also increases policy costs.

Using the tips and information that you learned from this article, and have another look at your policy. You may discover that you haven't had adequate coverage, or that you are being overcharged.

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