All I need is a tequila sunrise and a tropical sunset mug Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you will be a more informed consumer.All I need is a tequila sunrise and a tropical sunset mug Avoid getting any infractions on your driver’s license. When accidents and tickets are on your driving record, your insurance costs can go through the roof. If you have had tickets or gotten in accidents in the past, going to driving school may help to lower your insurance rate.All I need is a tequila sunrise and a tropical sunset mug When upgrading your car by purchasing extras or replacing parts, consult with your insurer to determine whether your upgrades will be covered in the event of theft or damage to the car. Insurance often doesn’t cover these parts separately, but only the difference between the value of the car with and without those parts, which is often not a lot.Speak to your insurance agent before you buy expensive mods or add-ons for your car. A new set of shiny wheels may cost you a lot of money, but they may also only add a small amount of value to your car. That difference in value will be lost if your car ends up stolen.A common misconception is that your car insurance company will give you a reduced rate once you hit the age of 25. The reality is that after the driver has reached the age of 18, the rate starts gradually dropping.You should always strive to keep your insurance from lapsing as a means to keep your rates low. Moving from this carrier to another one could cause a lapse in your coverage. Your insurance company will raise the rate charged once they discover you have had gaps.Basic coverage on your car insurance only allows the coverage to extend to the policy owner of a car. Sometimes, other drivers, such as friends and non-household family members, will not be covered if they crash your car. You would have to pay more to cover other drivers using your car.The auto insurance industry uses a lot of confusing terms and legal sounding mumbo-jumbo. Peruse this article to learn about auto insurance industry jargon, and you will gain confidence in making better decisions regarding auto insurance. When you break it down, the big words are just a way to say pretty simple things. Learning them will make you an informed customer.