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Auto insurance is an insurance cover that is always a must when you are buying a car. It becomes almost necessary if you are planning to buy a used or damaged car or truck. There are 5 different types of auto insurance covers available and they are:

• Physical damage cover: This auto insurance cover will take care of all the physical damages on the vehicle especially post accidents. There are two types of covers: collision cover and comprehensive cover. In collision cover, your car is covered for all the physical damages that happen due to an accident. In comprehensive cover, your car is insured against natural disaster or any other cause of damage apart from collision.
• Property Damage: This types insurance covers the damages caused by you to a third party like another car.
• Medical cover: An important cover, this auto insurance plan will help you and other travelers in your car to get compensation in case of accidental injury
• Bodily injury: This type of auto insurance will cover any kind of bodily injury caused by your car to a third party.
• Underinsured coverage: This kind of auto insurance will cover you if there was an accident caused by another vehicle, which has insufficient insurance cover.

There are times when people end up paying more for an auto insurance policy cover. Hence it is always better to check with a handful of auto insurance companies to find out what all discounts they can offer you to help you save on auto insurance. Here are some of the pointers that can help you to save on auto insurance:

• You need to ask the auto insurance cover providers about the discounts you are eligible for and make sure you get them. The various discounts that are available include:
  
  • Occupations with low risk
  • Professional organizations - like affiliations with AAA
  • Combined coverage
  • Safety features discounts
  • Higher risk assumption by the driver
  • Senior citizen discounts
• Always try to keep a clean slate where driving is concerned. The cleaner it is the lesser risk is involved hence lower premium.
• Expensive cars and high speed cars draw higher premiums. It is better to go for a not so expensive car and save on auto insurance.

Last but not the least, always do a thorough research where insurance companies are concerned. If you approach 5 companies then you will always find that one company, which will offer you the best insurance cover and also help you save on auto insurance.