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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.

To save cash when buying auto insurance for a teenage driver, be sure to determine if you will pay less if you get them a separate policy or if you should just add them to the policy that you have. You may save money by purchasing your child a separate policy; the type of cars that you have factor into the price.

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Before shopping for car insurance, make sure you assess your coverage needs. Even though there are many options available, many of them may not apply to your circumstances. You might want to pay for collision coverage if you're accident prone, though.

You might want to consider carpooling with someone or possibly taking the bus. Insurers love when their clients are responsible and they can reward them by lowering their mileage. If you take public transportation, chances are your insurance agent can find a way to discount your policy.

The best thing you can do to to keep your car insurance payments low is to maintain a spotless driving record. Nothing else will make your premiums jump higher than having an accident. Drive defensively and know your limits. Stay out of situations in which you have a higher chance of an accident. If you have trouble seeing in the dark, avoid driving at night.

When you are shopping for car insurance, get multiple quotes. It may surprise you just how much insurance rates can differ from one insurance company to the next. You want to shop around to find the best price, and you should check rates with different providers at least once a year. When you are reviewing the quotes, look to see that the amount of coverage is comparable on each of them.