Lowering Your Cost Insurance Part 2

What is Your Demographic?

The demographic you are in can play a role in getting cheaper car insurance. For example, if you are 55 years of age or older or if you are an early retiree then your premiums might be lowered by the insurance provider. If you are a single woman and are the only driver in your home then this could work in your favor in terms of the premiums you pay. Some insurance companies will even lower premiums for those who don’t smoke! Take the time to find these things out before you decide if you wish to become a client of a particular insurance provider

Lowering Your Cost Insurance Part 1

Lowering the cost you pay on vehicle insurance is important but do not go with a low rate company in order to do it. Do not sacrifice quality to save your money. In the end you are not really saving anything. Always choose a company that has an excellent record of paying out claims to its clients. You also need to find a reputable car insurance company that is willing to give you the coverage you need at an affordable rate.


Don’t Drive to Work

If you want to get car insurance that rocks then one thing you can do is take the bus or subway to work to cut down on the amount you drive. Another option if it is available to you is to find a car pool that is accommodating to your work hours. Letting the insurance company know that you don’t drive your vehicle to work but use alternative means could make it possible for you to qualify for a discount in the area of 15 to 20 percent.

Many people look to save money wherever they can. Saving money on car insurance is usually high on everyone’s list. How much does the kind of car you drive matter with an affordable car insurance rate? The list I had shown you before may surprise you.

Small economy cars while stingy on gas consumption will not make you happy with insurance premiums. Highway Loss Data Institute every year analyze the actual insurance losses associated with the most popular vehicle models. Car insurance companies use comparable kinds of facts to set premiums, the rankings give consumers a look into how their vehicle choices affect their car insurance premiums.

Just like always, the statistics suggest that sports and young driver behind the wheel (less than 25 years old) are an expensive combination for insurers.

10 Least-Expensive Cars to Insure

These vehicles account for the lowest dollar amount of losses for car insurance companies

1. Ford Five Hundred 4WD (now the Ford Taurus)
2. Buick Rendezvous 4WD
3. Buick Lucerne/Buick Rainier 4WD/Honda Odyssey
4. Ford Freestyle 4WD/Subaru Outback 4WD
5. Buick Rendezvous/Honda Pilot
6. Chrysler Town & Country LWB
7. Honda Pilot 4WD
8. Buick LaCrosse/Chevrolet Uplander/Ford Escape/Volvo V70
9. Dodge Grand Caravan/Ford Freestyle 4WD
10. Ford Explorer 4WD/GMC Sierra 1500 4WD/Toyota Highlander/Toyota Sienna

10 Most-Expensive Cars to Insure

These vehicles account for the highest dollar amount of losses for car insurance companies

1. Cadillac Escalade EXT 4WD
2. Subaru Impreza WRX 4WD
3. Hyundai Tiburon
4. Mitsubishi Lancer
5. Scion tC
6. Acura RSX
7. Nissan Sentra SE-R
8. Suzuki Forenza
9. Nissan Sentra/Mitsubishi Eclipse
10. Chevrolet Cobalt two-door

SELECTING AN INSURANCE COMPANY

My recommendation to select good insurance, is still one of the best ways to choose an insurer. You want to know you will be treated right, when you need the help. There's no better recommendation than a happy customer who has experienced service when their chips were down.

Price is a huge factor to select better insurance company. Rates are competitive, and the Internet makes it possible to shop for rates quickly.

Finally, what you need is feel comfortable with your insurance purchase. no matter you buy over the Internet, from a local agent you met at a ball game, or directly from the Insurance company over the phone, make sure you feel good about your decision before you sign. Make sure that the agent or company will be as easy to reach when you need to file a claim as they are when you're buying their product.

Tips to Choose Cheap Car Insurance (Part 2)

4. Installing safety and anti theft device in your car, such as alarm, could reduce rate of

your car insurance. If your car is safer and less at risk of theft it should be cheaper to

insure.

5. Watch your policy when renewal time, don't just pay your policy. There are several things

you can do that will affect your cost insurance. There are several things there which

duplicate other insurance that you may have that can be eliminated. Ask question about it

and be critical before you renew your policy.

6. Find a good online discount car insurance broker before renewing. The internet is a

fabulous resource. Use it. There are all sorts of discount insurance brokers online where

you can get fast quotes from a wide range of companies. Don't just settle for the same

company you always use. Car insurance rates vary all the time. Always get comparable quotes

before renewing any policy.

7. Have a look at who your other insurers are. Many insurers offer a discount for multiple

policies. If you insure your house with a certain company then ring them up and find out if

they do car insurance. Get a quote from them. Find out what discounts they offer.

Tips to Choose Cheap Car Insurance (Part 1)

1. See your deductible amount, it is amount that you pay first when you claim. Your policy cost is related to this amount. Many people who have insurance policy for long time have never considered whether they ought to vary their deductible. If driving record is good and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible

2. The type of car you drive affect your insurance rates, certain typs of cars attract higher rates such as sport cars, since this model is prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.


3. Drive your car carefully. You won't get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.