If you are looking for ways to save on car insurance, you may have opted to skip having comprehensive insurance coverage. The problem is there are much better ways to save on your car insurance bill than cutting out types of coverage you really do need. Saving a couple of dollars per month up front can actually lead to much greater out of pocket expenses down the road.

The idea is to learn where you can cut your automobile insurance expenses without taking huge risks with your car insurance coverage. To be a wise consumer and make informed decisions about your automobile coverage, you should be aware of what comprehensive car insurance is. Not to mention you should know about other ways you can find cheap insurance rates.

Comprehensive Car Insurance 101

To get the basic idea of what comprehensive insurance covers, you should consider that most drivers end up carrying just collision insurance. This is fine when you think about only having a collision. So much more can happen to a vehicle aside from a collision however.

Can you be certain your policy covers things such as:

• vandalism
• theft
• fire
• flooding
• storms or other natural disasters
• falling objects
• animals
• acts of God

So, if you were to avoid having comprehensive car insurance just to save some money on your premiums, you can see just part of the many things that could happen that you would not be covered for.

Other Ways to Cut Corners

• Instead of opting out of comprehensive car insurance, consider other ways to save money on your auto insurance policy. One way to do so is to change the amount of your deductible. The deductible is the amount of money you pay out of pocket at the time of a claim before your insurance pays the rest. Most people choose low deductibles so that if they have an accident they will not have to pay much from their own savings to get the car repairs needed.

• The problem with this approach is that you often pay more than needed per month on premiums. Increasing the amount of your deductible lowers the amount of what your pay each month to have your insurance. Changing from a $500 deductible to a $1,000 deductible can be a great way to see cheap car insurance rates.

• Another great way to save some money is find out about things you can do that insurance companies tend to offer discounts for. One example is just bundling your services. What this means is that if you are open to getting all of your insurance needs through one provider, you could see great savings. Find out if combining your car insurance, home insurance, renters insurance, boat insurance or other types of necessary coverage under one company will help you save money.

• Also many insurance agencies offer discounts for drivers who take drivers training courses, if you reach a certain age or, in some cases, to reward customers who are also actively involved in charity work. There are actually quite a few surprising things different insurance companies offer discounts for. When getting quotes or while deciding between a few ask directly about what kind of discounts each one offers.

Don’t Forget to Review the Numbers

Comparing auto insurance rates is also an effective approach towards seeing savings. Drivers tend to settle for the first policy they find or never bother to check later to see if they could be saving money. Car insurance policy providers tend to be very competitive. By simply looking at the rates available to you, you may find you have already been overpaying.

This is especially true if you have recently gotten married, had your 25^th birthday or an infraction from years ago finally came off your record. At least once a year you should get rates from insurance companies who are competing for your business to find out what each one has to offer. Never settle when it comes to your policy and never take on such brand loyalty that you are unwilling to do an annual “expense checkup and comparison” to other providers in the industry.

If you are getting a new policy or it is time for your annual rate “check up” all you have to do is provide your zip code to get comparison quotes and start saving money today. For the best in comprehensive car insurance rates let us help you find the coverage you need at prices you can afford.