When I first began paying for my own auto insurance, I was completely clueless. I started out just agreeing with the agent, and paying my car insurancebills as they came in the mail. As I grew older and became more tight with my money, I began looking for ways to save. I took each part of my financial life and began analyzing and asking questions. I realized I was paying more for insurance than I had to. I researched, adjusted my coverage limits, and asked for driver discounts for longevity, accident free, marriage and young children.  I ended up reducing my bill by well over 300 dollars. Saving money can be easy, you just have to learn the tricks.  

Know the meaning of terms such as liability, collision, comprehensive, and uninsured coverage will assist you with buying auto insurance. Liability is when damages are only paid the other person in a collision of your fault. Collision is when the vehicle collides with another vehicle or object. Comprehensive covers unavoidable damages caused by  fire, trees, animals, etc. Uninsured coverage is coverage for the policy holder in case the other at fault party has no insurance. Your car insurancepolicy usually will have four separate sections, one addressing each of these four terms. Each section will have it's own terms and coverage limitations.  

Find out if you will have to get competitive estimates if a crash does occur. If it is in your policy, you may be required to take the vehicle to several different shops for an estimate and get the repairs done at the shop of your auto insurancecompanies choice, not yours. Learn if your insurance carrier insists on competitive auto repair parts for damaged vehicles or if new parts will be used. The competitive parts are not factory, but meet or exceed manufacturer's quality and in most cases are guaranteed for the life of your vehicle.  

Some companies will not fully insure a vehicle if modifications, alterations, or customizations have been done to the vehicle. Ask your auto insuranceagent if this clause is in your policy and if so to what extent. They may offer to cover the modifications for a higher premium.  

Don't being caught naive like I was. Learn all you can about each and every aspect of your auto insurance policy. Insurance is required, but it is your money. You are paying them to provide a service. If you aren't happy with something, change it.