Buying car insurance is not as tough as you think - simply follow these tips!

During these times of global recession, buying car insurance can pose a problem, financially speaking, where most people are looking for the cheapest deals and trying to find ways by which they can spend their money optimally, but with a little help, they can achieve their goals.

Though in theory buying a car insurance policy is not difficult, the problem is that there are far too many choices which can confuse any customer regarding the most suitable policy for their cars. Most potential buyers are also ignorant about how they can save money during the purchase of car insurance.

The following tips might be helpful when buying car insurance:

• The safety features which your car carries can impact the insurance rate. Car insurance companies are always looking for ways to reduce claim frequency. So if your car is fitted with important safety-enhancing features like air bags, low jack, VIN number etched on the windscreen, anti-burglary device, car alarm, etc., chances are high that these would positively impact your insurance rate.

• For multiple car owners, the best option is to combine all the insurance policies into one. This works out far more economical than having several individual policies.

• Using alternative means of transport is not just a fuel saving method but this can also impact your insurance rate. The quantum of miles covered by your car every year has an effect on the insurance premium you pay. The more you use your car, the chances of meeting with an accident increases - and this can impact your insurance rate.

• The value of your car also impacts the insurance rate. Older or used cars can be covered with less whereas new and expensive cars attract higher insurance rates.

• One of the most frequently made mistakes which people make is to jump at the first company offer when buying car insurance. You need to do a lot of research to get the best deal for your car. Since the numbers of insurance companies are many, you can always look around to find the company which is prepared to match your budget. Be prepared to shop around for a while till you find the right company offering you the most suitable policy as well as coverage.

Buying car insurance is easy provided you spend some quality time in doing research to find the most acceptable rates for your car, considering there is no dearth of companies offering you their best rates.

Remember, it pays to shop around for auto insurance, because you could save hundreds each year. Research your coverages -- and your company -- to make sure you are getting the best value for your money.