Car Insurance Rates Guide

This is post two of two in a series discussing four ways you can help protect your car from being stolen.

Tip 3: Use an Immobilizing Device - Another way to prevent your car from being stolen is to purchase some kind of immobilizing device to use in your car. There are a variety of different devices available, such as smart keys, kill switches, the Club, and fuel cut-offs. Many of these devices are relatively inexpensive and they are highly effective as well.

Tip 4: Install a Tracking Device - One of the newer ways to deter car thieves is to have a tracking device installed in your car. These devices are quite high tech, and they will alert you when someone is moving your car without authorization. Some of these tracking devices actually will notify the police when unauthorized movement is made as well. While these tend to be a bit more expensive than other methods, they can definitely be a great help if your car actually gets stolen.

Even though you may have coverage on your car that will pay if it is stolen, taking preventive measures is much simpler and will help keep your car insurance rates down as well. Just taking the time to use common sense and employ the help of cheap devices can help keep your car from being stolen. While incorporating one of these tips is great, using all of them together can give you the best results when trying to protect your car from theft.

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This is post one of two in a series discussing four ways you can help protect your car from being stolen.

Having your car stolen can be a scary thing. Many who have had their cars taken typically feel both angry and vulnerable, even to the point of feeling somewhat “violated”. If you don’t have insurance that covers the theft of a car when it happens, it can be equally as scary from a financial point of view. When you have comprehensive coverage on your car, your insurance company will help to replace your stolen car. While having this coverage is important, there are some ways that you can help prevent your car from being stolen as well, which may save you money on your car insurance rates in the long run. As they say, an ounce of prevention is always worth a pound of cure.

Tip 1: Use Common Sense - One of the best ways that you can prevent your car from being stolen is to use common sense and make sure that you lock your car doors whenever you leave your vehicle, regardless if it’s in a dark alley, a public place, or parked in your garage. Plain and simple, if you leave your doors unlocked all the time, you elevate the risk of your car being stolen. You should also be sure that you take your keys with you and never leave them in your car or anywhere else in public. Often just using these common sense precautions is enough to save you from car theft.

Tip 2: Get an Alarm - You can also help prevent car theft by installing some kind of warning device or alarm device in your car. Whether it is a visible device or an audible one, both can be good deterrents to anyone thinking about stealing your car. Usually alarms are fairly affordable, and it is definitely cheaper than trying to find a new car.

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If you want to insure your collectible or vintage car, from antiques to modifieds, hot rods to kit cars, you will need to get “specialty” insurance. Many of the big name companies offer it, either themselves or broker another company which specializes in this type of insurance coverage. These types of cars are not your standard automobiles and that’s why specialty insurance coverage is so important.

Here are the types of cars that normally need collectible car insurance:

• Antique Cars
• Classic Cars
• Custom Cars
• Exotic Cars
• Hot Rods
• Kit Cars
• Modified Cars
• Muscle Cars
• Replicars
• Woodies

This type of insurance also covers various foreign and domestic sports cars.

The definition, with regard to insurance, of a classic car is one that is least eleven years old and in outstanding condition. Hot rods covered are usually cars that were made before 1950. For more detailed information, please check with your car insurance company.

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In Part 2 of our series, we will show you some of the models that are among the most and least expensive to insure based on theft claims, injury claims and collision claims. Again, not all cars are created equally. The following information is provided by the Highway Loss Data Institute (HLDI, iihs.org):

Some of the most expensive cars to insure, based on theft claims…

• Cadillac Escalade
• Chevrolet Corvette Convertible
• Jeep Cherokee four-dorm 3 series
• Lincoln Navigator

Some of the least expensive cars to insure, based on theft claims…

• Buick LeSabre and Park Avenue
• Volvo V70 Station Wagon
• Mercury Grand Marquis (4-dr)

Some of the most expensive cars to insure, based on injury claims…

• Suzuki Esteem (4-dr)
• Kia Rio (4-dr)
• Mitsubishi Mirage (4-dr)
• Kia Spectra (4-dr)

Some of the least expensive cars to insure, based on injury claims…

• GMC Sierra 2500 (2-wh drv)
• Chevrolet Silverado 2500
• GMC Yukon XL 1500 (4-wh drv)
• GMC Sierra 2500 (4-wh drv)

Some of the most expensive cars to insure, based on collision claims…

• Acura RSX
• Hyundai Tiburon (2-dr)
• Lexus IS300 (4-dr)
• Subaru Impreza WRX (4-wh drv, 4-dr)

Some of the least expensive cars to insure, based on collision claims…

• Ford Excursion (2-wh drv)
• GMC Safari (4-wh drv)
• GMC Sierra 2500
• GMC Yukon XL 1500 (4-wh drv)

So when it’s time to purchase a new or used car, it’s wise to take in to account how much it will cost to insure your vehicle…before you buy. Make sure you try and get low rate car insurance, it will help make the purchase of your new vehicle a little more comforting. Speak to your agent about all your options before you buy and verify your options. It make take a little bit of effort but it’s time well spent.

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