ST. LOUIS, Jan. 12 /PRNewswire/ -- When dealing with your automobile insurance, it is important to know what the policy contains. Make sure the items you desire are included in the policy. Knowing what is and what is not covered is a powerful tool. If you desire to have a rental car provided should you need one, it will have to be in the policy or one will not be provided. Checking and rechecking the policy and discussing items with your agent will ensure you have the coverage you desire.
Some types of cars may be more expensive than other models. Before purchasing or trading for a vehicle, a quick call to your agent can save you lots of money. Smaller, sportier cars have higher premiums than larger family oriented cars. Older cars usually have lower rates than newer cars.
The primary use of the insured vehicle can affect insurance rates. If it is mostly used to drive back and forth to school or work it will be less than one used for business or travel purposes. The total number of miles driven per week can influence rates as well. The ages of the drivers included on the policy also affect rates. Many companies offer discounted insurance quotes for excluding drivers under 25.
Each state regulates their own insurance companies; therefore, insurance rates vary from state to state. Most states require at least liability coverage. In one state the cost of liability alone can be just as expensive as carrying full coverage in another state.
The best way to get the most out of your policy for the lowest cost is to become familiar with your policy. Make sure to read it and discuss particulars with the insurance agent. This will ensure that the items you desire to be included are not overlooked.