Auto insurance is more than a legal necessity; it is also good protection in the event of an accident. This is especially true if you have a family that is often transported in your car. The following insurance tips will help you get the most from your policy and possibly even save you some money.

Tip #1: Make sure all injuries are covered

Chances are you often have your family members and possibly some of their friends in the car with you when you are out and about. Unfortunately, not all drivers on the road are adequately covered. For this reason, make sure you have medical-payment coverage at a sufficient level so that everyone that could possibly be in the car is covered if an accident does occur. While handling excess bills for one person can be trying, medical bills can also send you into bankruptcy if the whole family is injured and the other driver doesn't have insurance.

Tip #2: Take advantage of teen discounts

Insuring a teen driver can be expensive, but there are ways to save some of your family's cash. Most insurers offer discounts for good grades and if the teen takes a driver's safety course. As a matter of fact, you may also want to sign up for a course aimed at adult drivers, since your insurance company may also offer discounts for continuing driver education.

Tip #3: Ask about safety checks

Many insurance companies now offer free safety checks. These checks are designed to help you learn how to properly install car seats and boosters in your exact model of car. Some insurance companies may even offer car-seat trade-in programs that allow you to get a new car seat for free or at a discount if you trade in your old, expired seat.

Tip #4: Get a family car

It's well worth it to invest in a specific type of car based upon your insurance costs for the vehicle. As an added bonus, cars that are less expensive to insure are often safer for your family. You can find out what the current models that are inexpensive to insure are by contacting an insurance agent. As a general rule, cars with good safety ratings that aren't popular with thieves tend to cost lest. Minivans, coupes, and family sedans are usually the best options, since these cars tend to meet the lower cost specifications and are perfect for families.

For more information, contact an insurance agent in your area.