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Valuable tips to help save more on car insurance: ~Maintain a good driving record and clean credit history -- you could save up to 25% on your auto insurance rate on your next policy. ~Comparison shop for your car insurance company. For Car Insurance, the best combination is a low cost auto insurance rate and excellent service. ~Before buying a car, determine if you can get a cheap car insurance policy for that car. Based on the features of the new car, it may qualify for a discount on your auto insurance. ~Take the highest deductible that you can afford to pay out-of-pocket on your collision and comprehensive car Insurance coverage and it will discount your auto insurance monthly payments. ~Consider dropping comprehensive or collision insurance coverage on an older car. It may not be worth paying for those types of insurance coverage if the vehicle is not worth that much money. This can potentially give you an affordable auto insurance.

Understanding Coverage

Many insurance policies combine various coverage options. The minimum insurance you need for your car depends on what laws in your state require. No matter what the law may requires, extra coverage may be worth the cost. After all, no one wants to be stuck with thousands of dollars worth of bills because of an car accident. Below is a list of coverages available.

Liability: Pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. This coverage also pays court costs. State laws determine how much liability coverage you must purchase.

Collision: Coverage pays for damages to your vehicle caused by collision with another vehicle or object.

Comprehensive: Coverage pays for loss or damage to the insured vehicle that doesn't occur in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.

Medical Coverage - Pays medical expenses regardless of fault when the expenses are caused by an auto accident.

PIP - Personal Injury Protection (PIP) is required in some states. This coverage pays medical expenses for the insured driver, regardless of fault, for treatment due to an auto accident.

Uninsured Motorist: This Coverage Pays your car's damages when an auto accident is caused by a driver who doesn't have liability insurance.

Underinsured Motorist: Pays your car's damages when an auto accident is caused by someone who has insufficient liability insurance.

Rental Reimbursement: This type of coverage will pay for a rental car if your car is damaged due to an auto accident. Often this coverage has a daily allowance for a rental car. This comes in very handy.