Auto insurance is not one of those things that are an option in life if you own a car. It is actually a very good thing as accidents happen every day and not many people can afford the damages and hospitals bills that occur with them. Having insurance can mean the difference of paying for liability in an accident or being sued and losing your home.

Although it may be obvious, driving safely is key to maintaining low rates and premiums. Bad driving, such as speeding, can increase your rates and also lead to nonrenewal of your policy. A car accident will usually increase your costs by up to 40%. Of course, you should avoid bad driving regardless of your car insurance to avoid tickets and dangerous accidents.

Use social media to your advantage when shopping for an auto insurance policy. Check what real drivers are saying about insurance companies via websites, forums and blogs. By going the social route, you will find out the truth about an insurance company, not the hype the insurance companies themselves pay to put out.

Your teenage driver's insurance will cost you much more than yours for a while, but if they took any formalized driving instruction, be sure to mention it when shopping for a quote or adding them to your policy. Discounts are frequently available for driving instruction, but you can get even bigger discounts if your teen took a defensive driving class or other specialized driving instruction course.

While many people will try to get away with not having auto insurance, it is not the best choice to be had. There are plenty of policies that are affordable, even for the highest risk driver that having no insurance is just a hazard. You can see that going online can help you find all you need for car insurance.