(CNN) - Has the price of your car insurance slowly gone up over the year?
Many people are seeing their premiums rise, so we have some tips on how to shop around to get the best bang for your car insurance buck.
Experts say, when looking for a new insurance plan, don't skimp on the protection just to save a few bucks. What may be good for your wallet may be bad for your safety.
First, don't cut out too much liability. Experts say this is an easy category to cut, and you will see huge savings. But it's not a good idea to cut too much.
One expert tells insurancequotes.com that you should buy insurance protection that is equal to your non-retirement savings.
Second, don't skimp on the uninsured motorist coverage. According to the Insurance Research Council, one in seven drivers is uninsured, so experts at data firm ISO recommend having a limit of $100,000 per person and $300,000 per accident.
And lastly, read the fine print on repairs. Not all policies pay for new parts for your car when it needs repairs so experts recommend you review the "limit of liability" portion of your insurance policy to make sure that new, not used, parts are covered.
Ultimately experts say it is important to shop around to different insurance companies to see what sort of policy you can get but make sure that any policy you choose keeps these three areas largely intact in order to best protect yourself and your loved ones.
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