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During holidays, police authorities are in full alert for drivers under the influence of alcohol. Cheap car insurance quotes and rates depend on all drivers that keep claims at a minimum. Memorial Day is a good celebration for family gatherings and to remember loved ones but always keep in mind that Memorial Day is not about partying and reckless driving and speeding. Not only will it help you avoid automobile accidents but it also helps in saving gas. But if this cannot be avoided, you better be prepared with your car insurance and you better make sure that you get best insurance rates.

When you are looking for auto insurance, you better be sure to check if the insurer offers a 6 month or 12 months payment plan to help you manage and direct your auto insurance payments better. And many auto insurance providers offer a variety of discounts that even includes alumni discounts. So if you are a college student, make sure to ask if your college or university is qualified and entitled for a discount. When you are starting on your own, every detail and information helps. College students especially do not consider the expenses of getting caught without auto insurance or the expenses for getting into an automobile accident.

In customizing your car, make sure that it is safe to drive and the insurance company might want to have the itemized bill details about everything that has been modified and done to your car. There are some car owners who do the works themselves and because of this, parts could be improperly installed and does not match regulated standards or be illegal to drive on public roads. And worse, if you*ve gotten yourself involved in an accident, the authorities could find out and they might even discover that the accident is caused by illegal modifications and improper installations. And in result, the insurance company will refuse to cover you.

There are several insurance companies that specialize in antique and customized cars all throughout the United States. Check on Classic Auto Insurance, Antique and Custom Automobile Insurance, Continental Western Group Tri-State Insurance, Hagerty Insurance, Grundy Worldwide. It is good to consult these specialized auto insurance companies because they can understand the real value of your custom paint job, chrome accessories and other specialty car enhancements. They can as well provide appropriate price for your car. Standard insurance companies on the other hand ay not be able to quote you accurately that might end up having an inadequate coverage for your investment.

Just in case you are planning to pimp out your ride, you have to consult first the insurance agent for some important matters. To modify your car is such a huge investment and it may not be covered by the insurance. Always ask first the insurance company about your plan to help you know the do's and dont's in auto insurance coverage, that is to know if they are willing to insure your new ride and the total cost for having your modified ride still covered. If ever your present insurance company would not cover your modified parts for their ordinary policies, then most probably you must add an endorsement to your policy to extend your comprehensive and collision portion of your auto insurance policy.