Often, saving time and money on your auto insurance, whether you are an experienced driver or have just passed your drivers test, can be down to just knowing a few simple basic facts; the facts highlighted here can save almost any driver money. What type of coverage you actually end up with will really be down to what type you actually need despite the large range of policies available. Most likely when you purchase your car from a certain company, they may have used  auto parts software  for this.  Auto insurance policies are made up of many parts reflected in the type of accidents that happen including:  *Bodily injury liability *Damage by fire *Injury to a passenger or pedestrian At one time, trying to obtain a quote directly from an insurance agency was hard and then the internet came along. Fortunately those days are past because now it is just a simple matter of using an online comparison site without leaving your home; this is probably the easiest way to find a policy within your price range. This way you can easily reduce your annual bill and save time in the process; it won't be very long before all transactions are carried out this way. There are a number of factors involved in the cost of your premium; some of these factors are mentioned in the list below: *The owner / keepers address *Is the vehicle fitted with a tracking device? *Cost of repairs *How much power the car has the number of claims made increases enormously when a person lives in a city from accidents, theft and damage. One thing is for sure though and that is if you live in a big city, your auto insurance will cost more than if you live in the country; There was a time when you had to pay your premium up front but most reputable companies will allow monthly installments these days which should help soften the financial strain. Most experts agree the time to get a free insurance quote from a new company is well before your current policy finishes. Insurers obviously charge more for sports vehicles and other high risk cars but comprehensive insurance is costly so a basic policy might be a more viable option than selling the car. Comprehensive cover will pay for medical bills etc. even if the accident was not your fault, something that basic insurance will not do. Insurance cover with this type of policy also extends to the driver and passengers of both vehicles providing they are not related by blood to the driver that caused the accident. Switching to a new auto insurance company is best done when the old insurance is about to expire and not during the course of the plan. Never rely on the fact that because you have applied for a policy that it will be accepted and cancel an existing plan before this confirmation is received. You would also be wise to check and see if you can reduce your insurance premium further by combining your homeowner and car policies with the same company as many give discounts for this. Once you start looking into auto insurance premiums and how they are calculated you may find other ways to reduce the cost every year.