Know the limits of the liability portion of your car insurance. This limit covers your portion of damages that you cause to others and their property. Each state has a minimum, which you may want to increase to protect yourself from additional out of pocket expenses.
Get comprehensive and collision coverage for your vehicle if you still owe money on it. The policy should be enough to pay off your loan if your car is totaled. If the cost of your insurance is more than the value of your car, which you have paid off, then you might be better off not paying those additional premiums.
Shop around for the best rates on insurance. Many car insurance websites allow you to enter your information and receive estimates back online. A few websites are listed below. Agents also will provide you with quotes directly over the phone.
Find a local agent with whom you can build a relationship. Insurance agents who also cover your home, life or health insurance needs can often get you a better rate than another independent agency. Hopefully, you will know this agent better in case you ever need to file a claim.