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Low Rate Car Insurance - Your Car Plays a Role (Part Two)

This is post two of two in a series about how specific car features can affect how much you pay for auto insurance.

Cheaper Cars
Yes, you probably want to get that great looking sports car or that luxury sedan, because you know how good you’ll look behind the wheel. But what won’t look great is how much you’ll be shelling out for car insurance. The more expensive your car is, the more you can expect to pay on your car insurance. It’s clearly logical but too often, people don’t think about how much it’s going to hit them in the pocket book when they buy an expensive automobile. It’s like buying a house without considering how much you’ll be paying for property taxes. Not only will a cheaper car be less expensive for you to purchase, but you will also be able to save hundreds each year on your car insurance as well.

Safety Features
The safety features that are included in your car are also very important when it comes to your car insurance rates. If your car is older and has few safety features, it may cost you on your insurance premium. Having front passenger and driver airbags can result in you getting a great discount on your car insurance as well as having an ABS braking system. Side airbags in your car can give you even more discounts and help you to get better car insurance rates. Alarm systems or theft deterrent systems can will help lower your rates. Insurance companies realize that the safety features in your car can help keep you safe even if you are in a car accident, and they will probably have to pay less money on a claim if you happen to be in an accident, so accodingly, they offer better rates.

Remember, what type of car you drive plays an important part in the amount you pay for car insurance. If you are looking to keep your rates low, then consider purchasing a car that will get you the very best car insurance rates possible.

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    Low Rate Car Insurance - Your Car Plays a Role

    This is post one of two in a series about how specific car features can affect how much you pay for auto insurance.

    Almost everyone is looking for ways that they can save money, and one place where many would enjoy cutting costs is on their car insurance rates. Car insurance can get pretty pricey, and believe it or not, specific car features actually play a very important role in determining the car insurance rates you get. If your rates are extremely high, then you may want to consider selling the car you have and investing in a different, more insurance-friendly vehicle. Here are some features that will affect how much you pay…

    Cars with Smaller Engines
    If you want to get low rate car insurance, then you may want a car with a smaller engine. Some insurance companies offer lower insurance rates for those who have a car with smaller, 4-cylinder engines. If you have a sports car with a large engine or a four wheel drive vehicle, chances are you will be paying quite a bit more for insurance. Just choosing a car that has a little less pop can not only save you money at the gas tank, it can end up saving you in insurance as well.

    Forget Red
    Many people, especially women, are drawn to red cars. But if you own a red car, you might see the effects on your insurance rates. While many people are oblivious to it, the color of your car can actually play an important role in your car insurance rates, and a red car is one of the worst colors to have. Studies have shown that red cars are in more accidents that other colors and also “attract” more tickets. Choosing a car that is black, gray, green, or blue, more conservative colors, can help to keep your rates low.

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    Low Rate Car Insurance - Eight Ways To Save Money On Car Insurance (Cont’d)

    Continuing from our last post, here are five more ways that you can typically save money on car insurance rates with most car insurance companies.

    1. The type of vehicle you drive plays a big part; the more modest or conservative the car, the more conservative the cost of insurance, under most circumstances. Also the age of the car can play a part in how much coverage you want or need, although there is a minimum amount of coverage you need in each state. Check with your state DMV. 
    2. Get a higher deductible. This is something you will have to weigh of course, pros and cons that is to raising your deductible. A higher deductible always equates to lower car insurance rates.
    3. Where you live plays a part. The more metropolitan an area, the higher your insurance rates tend to be; the more traffic you drive in, the more chance of an auto accident occuring. Living in the suburbs or out in a rural area can save you quite a bit when it comes to auto insurance.
    4. Combine all your car insurance policies into one policy. Multi-Car policy discounts can go a long way in saving you money. Not only that, having all cars on just one policy is much more convenient than dealing with multiple policies and multiple bills to pay each month or semi-annually.
    5. Lastly, many insurance companies allow you to not only package your various cars into one policy, they also allow you to package all your insurance needs into one policy, i.e renters insurance, homeowners insurance and more. Quite often, they will give you another discount for doing so.
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    Low Rate Car Insurance - Eight Ways To Save Money On Car Insurance Rates

    Sometimes, buying car insurance can be confusing, and even complex. But like anything else, the more you’re educated on the details of what you’re shopping for, the more money you tend to save. This is part one of two posts. We’ll cover the first four ways you can save money below.

    1. Do your best to have a clean driving record. This means no tickets for speeding or other infractions, no accidents for at least three years. Whatever communicates risk or irresponsibility on your record will tend to raise your insurance rates.
    2. Having prior insurance for at least six months can be looked on as favorable. If you have current insurance, keep payments up to date, stay in good standing with the company, and don’t let your insurance coverage lapse.
    3. Keep your credit score as high as you can. The higher your credit score, the more “responsible” you will appear to be, which again works towards lowering your rates.
    4. Some insurance companies will throw a few points in your corner if you have a “defensive driver” certificate. This is a class you can take which will help you become a better defensive driver, assuming you apply their techniques. The course is typically about 4-6 hours and upon completion, again depending on who your insurance company is, you could receive up to a 10% discount on your insurance coverage.
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