Auto Insurance policies can be divided into different categories according to the coverage they provide. Broadly speaking there are four kinds of policies known as Collision Insurance, Comprehensive Coverage Insurance, Uninsured and underinsured Motorist Coverage policies and No Fault Automobile Insurance policy. Besides these, there are policies that take care of other needs like covering an auto loan, paying for towing expenses or paying for the cost of a rented car while your vehicle is being repaired. The most common insurance policies are:

Collision: Any property damage caused to your vehicle due to an accident caused by any other vehicle or object is covered under this policy. The claim amount cannot exceed the actual cash value of the vehicle and is subject to any deductible.

Comprehensive: Any property damage to your vehicle that is caused by non-collision factors like fire, theft, vandalism, and even natural disasters like flood, hurricane or earthquake is covered under this policy.

Uninsured Motorist Coverage (UM) and underinsured motorist (UIM) coverage: takes cares of any injury that may result to you or to persons insured in your policy from an accident that takes place with another uninsured or underinsured driver or vehicle owner. Generally only body injuries are covered under this policy.

No Fault Auto Insurance Policy: Irrespective of who caused the accident, the insurance company pays for the medical expenses and for the loss of wages that the insured suffers on account of a collision under this policy.

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Some other additional coverage that an auto insurance policy holder can buy are:

Property Damage Liability and Bodily Injury Liability: These two policies protect the insured from any claims made against him for causing damage to property including vehicle belonging to another person or for causing any bodily injury or loss of life to other individuals up to the amount mentioned in the policy.

Auto Lease Protection: is an additional protection that you may add to your collision or comprehensive auto insurance policy to take care of any gap that exists between your auto loan amount and the cash value of your vehicle.

Full Tort and Limited Tort: available only in the state of Pennsylvania allows the insured to retain unrestricted rights to bring a lawsuit against a negligent party or recover expenses incurred for certain damages.

Rental Expense: Known as Extended Transportation Expense Coverage, the policy pays for a rental car while your vehicle is being repaired or replaced.

Medical Payments Insurance covers medical expenses for injuries sustained in an accident involving any vehicle for the insured, his passengers and other parties irrespective of whose fault it is.

Towing and Labor: An additional coverage option that can pay for all necessary towing and labor costs to tow your damaged vehicle to a work shop or another location.

Shopping for online auto insurance quotes can be quite demanding, but knowing that they are a lot cheaper, faster, less complicated and extremely convenient, we all have to do it at one point of time or another. This compilation of tips may be able to help you avoid overpaying for your car insurance premiums, and save a few hundred dollars in the process.

1. Search for Auto Insurance Quotes Regularly: If you do not shop around for online auto insurance quotes, you can end up paying the same premium for years, which is really pointless because as vehicles age, they decrease in value. So, you should not pay the same premium on them as you would on newer vehicles. Get into the habit of conducting a quote search, perhaps, on a yearly basis, and the more generally you do it, the better your chances of getting lower online auto insurance quotes.

2. Consider "liability only" Insurance for Older Vehicles: Before getting your online auto insurance quote, always take into account the value of your vehicle compared to the amount you're paying for premiums when making decisions such as "liability only" insurance. For example, if the wholesale value of your car is $1000, you need not pay nearly that much per year because that is all you'll receive from the insurance company in the event of an accident.

3. Take a Defensive Driving Course: Your online auto insurance quote is also affected when you take a simple 6 hour defensive driving course, which can save you up to 10% on your auto insurance premium. The local department of motor vehicles should have more information on this. Otherwise, there are also courses available through mail, video, or the internet.

4. Insure with the Same Agency: When you apply for online auto insurance quote, remember that most insurance companies will give you a discount for multiple auto insurance policies. So if you own more than one vehicle, you should insure each of them with the same insurance agency. If you also have life, home, fire, boat or any other type of insurance, use the same agency for your auto insurance.

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5. Raise your Deductible: Higher deductibles result in lower insurance premiums, so set your deductible at the highest rate possible. At the same time, it's also imperative that you do not neglect additional financial resources that can help cover the deductible in case of an accident.

6. Check your Credit Rating: Be aware that most insurance companies will check your current credit score as part of their calculation for your insurance premium, since like all other business setups, they want to be paid, and on time. So you need to maintain a healthy credit rating before you get your online auto insurance quote.

7. Let Them Know why you are at Lower Risk: Insurance companies typically base their rates on one element – risk. Therefore, you need to have valid reasons why you are at lower risk when obtaining your online auto insurance quote, such as having a safe vehicle, a clean driving record, anti-theft devices etc.

Anderson Cooper story about questionable auto insurance practices.

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Let's face it an auto insurance company is a business that is created to make a profit and if we are not careful we might end up paying super high premium rates when we could have paid much lower premiums if we only did some research.

Here is a list that I hope will help car owners in lowering their premium rates:

• Safety devices against car thieves

Who would ever think that theft devices are valuable not only in guarding your car against thieves, but also in lowering your premium? Theft devices come in various types. Some are automatic while some need to be manually operated. All these theft devices provide extra premium discounts. In some states window sketching may also be a source of additional premium discounts.

• Multiple car discount

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Let us say that you have two cars (for the sake of the illustration) that you want to insure with an auto insurance company. Usually you have to pay separate premiums but did you know that you could actually save a great deal on the premium that you will be paying for your second car? How? Consult your insurance agent to help you.

• Choose Yearly Renewable Auto Insurance Policies

Purchasing a yearly auto insurance policy will provide you with greater savings since the premium rate is fixed for one year compared to buying a six-month policy which changes rates every six months. If you purchase a six-month policy the premium you paid on your first semi-annual premium will not be the same as your second annual premium payment. So instead of saving, you tend to pay more for the same amount of benefits.

• Comprehensive storage coverage

The comprehensive storage coverage is ideal if you are thinking of storing your car for a period of time. It is a great savings idea to keep only the comprehensive coverage during the time you store your car since other coverage will not be required. A car in the garage is unlikely to get into a collision thus it will not require liability coverage.

• Mileage

The mileage that your car travels everyday has a significant effect on the premium rate that you are to pay since the mileage will determine the particular class in which your car belongs. Each class has a different premium rate.

• Organization affiliation

There are many auto insurance companies that offer a discount for being affiliated with certain organizations. These organizations may range from credit unions, college sororities and fraternities, or just having a certain credit card may also earn you a considerable discount on your premium. To be sure, call your service center and ask them for a list of the organization affiliations that they accredit, the same goes with the credit cards.

• Defensive driving course

Some auto insurance companies provide considerable discounts simply by attending defensive driving courses. For more details just check with your state insurance commissioner or you insurance company to see if you qualify and also to inquire on their accredited driving centers.

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