Car Insurance Rates Guide

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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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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The majority of people who buy new cars should be somewhat familiar with lemon laws. These are laws which allow consumers to get a refund or a replacement car when their car initially turns out to be, well…a lemon; a car that doesn’t operate reasonably within the amount of time that you’ve had it. These laws can cover leased cars and purchased cars. The guideline was designed to act as a consumer protection device.

But, do lemon laws apply to “used” cars? Well, that depends on where you live. Without knowing every specific law in every state, you need to contact the office of your state attorney general and ask some questions. Here are some of the questions they should have answers too. But this is just a sample…

• What defines a “used car”?
• What’s the maximum miles allowed (ceiling), and/or number of years from date of purchase?
• Was it purchased from a dealer in your state?
• What’s the maximum price allowed for the vehicle?
• What’s the maximum number of miles driven allowed since you’ve owned it?
• Is it primarily used for personal purposes?
• Are motorcycles, motor homes, and off-road vehicles covered?
• Who exactly is protected by your states lemon law
• Are private sales covered?
• Are only specific types of dealerships covered?
• Are cars purchased at auctions covered?
• How is the lemon law warranty given?
• What if your dealership didn’t give a lemon law warranty?
• What are your rights if the dealer doesn’t repair your car?
• What parts are covered?
• Can a dealership limit the coverage?
• Can your rights under the law be waived?

There are many other questions that can be asked. Again, the best action you can take is contacting your state attorney general’s office and find out all you can before you take action. Quite often, they will have a website which lists details of what is covered under their lemon law and what specific action you can take. If something does go wrong with your car and you feel you might fall under the’s law’s umbrella, the sooner you find out and take action, the better because there are time and mileage limitations to all lemon laws.

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