March 20th, 2007
This is post two of two in a series about things you should consider when buying a new car.
Is it a Favorite for Theft
When considering what kind of vehicle to purchase, you should also try to find out the cars that are most commonly stolen in your area, and avoid purchasing that kind of a car. Some of the cars that are most likely to be stolen include BMW Roadsters, Acura’s, Hummers, and Jaguars. If you choose to buy a car that is popular among thieves, more than likely you will pay higher car insurance rates.
What’s the Safety Rating
The safety rating of a vehicle is also something to consider before you make a final decision on which car to purchase. While safety features can help you save on your insurance, if your car is considered to have a low safety rating, you will end up paying more on your auto insurance premium. Before you hit the car lots looking for a new car, read up on safety ratings and find which cars have the best ratings. Check with your car insurance agent and see what kind of information they have. Describe to them why you are looking. You can also do a search for “safety ratings for vehicles” on Google or Yahoo. There, you will find various consumer websites that will offer you unbiased information and general safety ratings for vehicles.
Keeping these simple tips in mind can help you make sure you get a quality car, as well as getting a car that will not bleed you dry financially with your car insurance. While it can be easy to get carried away in the car buying moment, make sure you make a wise choice that will result in car insurance rates you can afford.
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March 19th, 2007
This is post one of two in a series covering things you should think about when buying a new car.
For many people, buying a new car can be an exciting time, but most people fail to consider their car insurance rates when they’re making their purchase. While it may be enticing to purchase that hot red sports car, or that turbo charged luxury car, you may want to consider what you’ll be paying for car insurance “before” you make the final choice. There are a variety of considerations that you can keep in mind when you’re buying your new car that will help you save on your car insurance premium.
Safety Features
One of the first things to consider when purchasing a new car, both to get better car insurance rates and for the safety of your family, is the safety features that come with the vehicle. Most cars come with front passenger and driver airbags, but you may want to check and see if there are side airbags as well. Features such as airbags, ABS braking systems as well as theft deterrent systems can help you get a better deal on car insurance.
Avoid the Sports Cars
While sports cars are very attractive, and almost everyone dreams of owning one, you may want to stick to a family car if you want to have affordable car insurance. As a general rule, insurance companies put sports cars into a high-risk group because drivers tend to drive more aggressively in them, hence they are more likely to be involved in an automobile accident. So, while the fire engine red sports convertible might catch your eye in the car lot, more than likely it will empty your wallet when it comes to car insurance costs as well.
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March 19th, 2007
This is post two of two in a series covering classic car insurance and how it differs from ordinary auto insurance.
When trying to find car insurance for your classic car, you may also want to speak with an insurance agent about both stated value and agreed value for your car insurance. The agreed value choice basically allows you and your agent to agree on a value for the car, and this value will probably not be the actual value, but it can save you a great deal on your classic car insurance rates. It is important to remember though, that when you agree on an agreed value, this is the amount you will be able to get back on an insurance claim, so you may not be receiving enough to replace the car if you are involved in an accident.
If you’re looking for car insurance for a classic car, you should be familiar with what insurance companies actually view as a classic car. For many companies, definitions of a classic car include that the car be over fifteen years old, it is driven a limited amount of miles, it is only used as a second car, is in excellent condition, and that it’s garage kept or located on private property. Various classic car insurers have various criteria for their classic car insurance so be sure to shop around. Many insurance companies will only provide classic car insurance to customers who are over the age of 21, while other companies limit the type of car they cover.
As with any other type of car insurance, you can go to various insurance companies to get a quote on their classic car insurance rates. Often you will find that a discount is available if you insure your classic car with the insurance company that you insure your other vehicles with as well. Remember, having great insurance on your classic car is very important. A classic car is worth a great deal of money and you should take care to make sure that you have it adequately covered.
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