By applying simple commonsense, you can save a lot of money in your auto insurance premium. But there is a limit to what you can achieve by simply applying your commonsense, you need help to save several hundreds more. Here's a way you can save much more...

In car insurance, there are many different plans to suit different requirements. Comprehensive, collision and third party only are examples of such policies. At extra cost, you can get certain additionals to suit your specific needs. Omitting an important feature in order to save money isn't particularly smart since it will cost you a lot more down the line.

Choose third party only cover if your priority is getting the most savings. The law in some places will be okay with just that. Just note that you will not get any money for your car. It only takes care of the third party hence the name. You'll have to fix your own car yourself. If your car is an old one, this should be your choice.

I'll explain the other two popular policies briefly. In addition to taking care of the third party in an accident, a comprehensive plan also covers persons involved and your own car. Furthermore, you are also covered from losses due to vandalism, fire and theft. If you crash into another object, a collision policy covers your car. Let's continue now that we've covered the basics...

The disadvantage of choosing a comprehensive cover for an old car is that the value of the car at the time of the accident is what will be used to determine what you get. Unless your car is a classic, what you'll get is not going to be worth the premiums you had paid especially when you consider that you still have to pay your deductible.

An insurance policy isn't worth the sacrifice if it doesn't pay you on the long run.

It is also important to note that given the same plan, you'll get different rates from different insurance companies. You can use this to your advantage by getting as many quotes as possible from car insurance quotes sites.

All you have to do thereafter is compare and pick the insurer that offers the best price/value. It will only take you about five minutes if you visit just one site. However, I encourage you to visit at least three insurance quotes sites as that will make you get more offers and increase your chances of lowering your auto insurance rates.

Here are my favorite car insurance quotes sites...

Hometown Auto Insurance Quotes in Minutes

Auto Insurance Quotes