If you own a car, you know that you are required by law to have automobile insurance. and while it is in your best interest to have full coverage, you are only required to carry liability insurance on your car, which pays any damage you do to another person’s vehicle if you’re at fault. With the high cost of car insurance, it pays to know how to get the most out of your policy. Here are five tips to help you next time you’re shopping for automobile insurance.

1. Don’t let your insurance policy lapse. If you don’t maintain continuous coverage, you’ll be penalized with higher rates when you do renew.
2. If you own a car which you do not drive because it’s not running or the car is simply garaged for the time being, obtain a certificate of …

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