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Auto insurance is an essential part of financial planning, but understanding it and choosing the right policy can be tricky. There are so many different kinds to sort through, and then choose. Here are some tips to help you get the right auto policy for you:When insuring a teenage driver, lower your car insurance costs by asking about all the eligible discounts. Insurance companies generally have a discount for good students, teenage drivers with good driving records, and teenage drivers who have taken a defensive driving course. Discounts are also available if your teenager is only an occasional driver.If your auto insurance carrier is not lowering your rates after a few years with them, you can force their hand by contacting them and telling them that you're thinking about moving elsewhere. You would be surprised at what the threat of losing a customer can do. The ball is in your court here; tell them you're leaving and watch your premiums fall.Before shopping for car insurance, make sure you assess your coverage needs. There are many different levels of coverage, and it can be confusing having to decide how much you need. On the other hand, if you are accident prone, paying for collision coverage may be a good idea.In some states you can actually file proof of financial responsibility and forgo actually having to buy an auto insurance policy. If your state happens to be one of those, I'd suggest looking into it since it can save you on insurance premiums every month. The only drawback is that if an accident does happen, and you are at fault, you would be responsible for damages.As stated above, auto insurance is incredibly important to your current and future financial planning. It is also important to understand the different kinds to choose the best policy for your personal needs. Following the above tips, is a very good place to start. [please contact me for website address]