How Can I Get Discount Car Insurance and Cheap Auto Insurance?

As insurance rates climb nearly as fast as gas prices, more and more people are trying to find ways to save money with their vehicles. With a little investigation and a few phone calls, chances are you can find discounts that you never knew existed. So call around or search the web to find the best auto insurance discounts available from various companies. You never know what you might qualify for.Increase Your DeductibleIf you have the financial resources, it may also be wise to increase your deductible. This can often reduce your annual premium by ten to fifteen percent.Payment Methods:Some companies like to get the entire year’s worth of premiums in one lump sum. If you have the financial ability to do this, you may be eligible for a discount. If you can’t pay in one lump sum, see if there are discounts for electronic or direct payment from your checking account.Additional Safety Features:Choosing optional safety features on a new vehicle, or adding them to a used vehicle will save your money. Car alarms, anti-lock brakes, automatic seatbelts, side air bags, and any anti-theft devices may be beneficial.Students and Schooling:Nearly every insurance company offers the good student discount, which is available to full-time students that are averaging at least a B in school. There are also some companies that will give you benefits for continuing education, or taking defensive driving courses.Infrequent Driver:Logic says that the less time you spend behind a wheel, the less likely you are to have an accident. So, if you carpool, take public transportation, or ride your bicycle to work, check into the possibility of these discounts. Some companies will check your odometer yearly, and if you stay below a certain amount of miles, like 6,000, you could get a discount.Have Good CreditSurprisingly, a good credit history will also translate into lower insurance premiums. Studies have shown a correlation between credit history and driving records. Those with bad credit are considered to be less conscientious or less stable, and are therefore classified as higher risk drivers. People with stellar credit histories can reap the rewards of a lower insurance premium.Housing and Garages:The location where you live will also have a slight effect on your premium. For example, those who live in rural areas benefit from low crime rates and mild traffic and therefore cheaper premiums. If you live in the city try to lease garage space. This will lower your rates because your car will have less exposure to the elements…both natural and criminal.Multi Policy Discount:Once you have settled with a company that has favorable discounts, you might as well insure all your vehicles with them. Plus, look into moving your homeowners insurance to the company as well. Nearly every company offers multi-policy and multi-vehicle discounts.Drive Carefully:As technology and culture changes, there are new discounts and new charges offered all the time. Keep up to date on current trends, and research your policy each and every year. But perhaps the best discount is to always drive carefully. A clean driving record is one of the best ways to reduce your premium. Drive slow, drive defensive, don’t speed, and most of all, don’t drink and drive. You won’t just be saving money, you might be saving your life…

Are SUV’s harder to insure or more expensive?

Not only do they have a higher ticket price at the dealership and cost a mint to fill-up, SUV’s are also a magnet for high insurance premiums. On average, it costs 10-20 percent more to insure a SUV than a regular car.So why the big increase?More often than not, SUVs cause more damage to other vehicles when they are in accidents. Chances are that a goliath SUV will do some pretty hefty damage to a two-door convertible. This raises the payout rates for the insurance company, and therefore liability premiums increase.Even if you are a safe and careful driver, SUVs have historically fared much better than their counterparts in accidents. This is not to say that a driver in an SUV is safer necessarily, but they feel safer. And this feeling of safety is exactly the reason why many drivers still choose to drive the behemoths. It is estimated that about 12% of all vehicles on US roads are Sports Utility Vehicles.But SUVs aren’t without their own inherent dangers. While progress has been made in safety design and roll-over prevention in the past years, SUV’s still have a greater potential to flip during high-speed turns, in collisions, or when avoiding accidents. They sit higher off the ground, which means their center of gravity is less balanced and they become “top-heavy”. To the insurance company, rollover accidents are very costly in terms of vehicle repairs and personal medical expenses.SUVs have also recently become very coveted among car thieves, costing millions of dollars in replacement claims. According to the Highway Loss Data Institute, the Cadillac Escalade was the most stolen vehicle in 2004. To replace the Escalade, an insurance company can pay upwards of $18k.Repairs on an SUV are also quite expensive. Insurance companies will pay quite a bit of money towards body and engine work, even in the most negligible collision. This is because SUVs do not have to meet the bumper standards set by the federal government’s in terms of withstanding fender benders. Just a slight tap on the rear can cost hundreds of dollars.The high risk factors of SUVs equate to a potential for high medical, liability, and settlement payments for the insurance company, and they must recoup those costs in the form of higher premiums.

The Top Ten Hardest Cars to get Insured

While your driving history is the number one factor in an insurance company determining your premium, the sort of car you drive also plays a role. Insurance companies take into account the sticker price, the cost to repair the vehicle, replacement value, safety features, and how well it will withstand an accident. The higher the cost of claims for a vehicle, the higher the rates, and therefore the harder it is to get insured.Basically, luxury cars, sports cars, four-wheel drive trucks, and other performance vehicles are the most expensive to insure. Not only do these cars have high claim rates for collisions, theft, and injury, but the companies consider their drivers to be more apt to speed and therefore a higher risk factor.Here is a list of the top ten most expensive vehicles to insure, that have a sticker price of less than $50k, according to the Highway Loss Data Institute (HLDI):1. Lexus IS 3002. Land Rover Discovery Series II3. Audi S44. Jaguar X-Type5. Mercedes SLK Class6. Lexus GS 4307. Land Rover Freelander8. Mitsubishi Montero9. BMW X510. Toyota 4RunnerThe HLDI also lists vehicles that are the most expensive based theft, injury and collision claims. The most expensive theft claim models are:1. Acura Integra two-door2. Acura Integra four-door3. Jeep Wrangler4. Jeep Cherokee four-door5. Honda Prelude two-doorThe most expensive injury claim models are:1. Suzuki Esteem four-door2. Mitsubishi Mirage four-door3. Kia Rio four-door4. Mitsubishi Mirage two-door5. Kia Sephia four-doorThe most expensive collision claim models are:1. Lexus IS 3002. Hyundai Tiburon two-door3. Kia Spectra four-door4. Suzuki Esteem four-door5. Mitsubishi Mirage four-door and Audi A6 Avant Quattro station wagon (tie)The cost to insure a specific make and model will fluctuate as time passes. Especially if it is brand new model to hit the market. Insurance carriers will examine how the vehicle performs in crash tests, as well as the average payout on accident claims.Insurance companies also look at how durable or dependable the vehicle is, based on basic maintenance and repair costs. But, get a DUI or be a reckless driver and even that 1993 Geo is going to be hard to get insured.

10 Easiest Cars to Get Insured

The first thing an insurance company looks at when offering you a quote is your driving history. Have a spotless one, and you’ll definitely get a better rate than a guy who has a glovebox full of tickets.The insurance companies also considers the sort of car you drive, including its sticker price, the cost to repair the vehicle, replacement value, safety features, and how well it will withstand an accident. The lower the cost of claims for a vehicle, the lower the rates, and therefore the easier it is to get insured.Here is a list of the top ten least expensive vehicles to insure, that have a sticker price of less than $50k, according to the Highway Loss Data Institute (HLDI):1. Oldsmobile Silhouette2. Pontiac Montana3. Saturn L Series Wagon4. Chrysler PT Cruiser5. Saturn L Series Sedan6. Chevrolet Venture7. Chevrolet Astro8. Saturn Vue9. Jeep Wrangler10. Oldsmobile BravadaThe HLDI also lists vehicles that are the least expensive based theft, injury and collision claims. The least expensive theft claim models are:1. Buick LeSabre2. Mercury Grand Marquis3. Buick Century and Saab 9-5 four-door (tie)4. Buick Park Avenue and Pontiac Montana (tie)The least expensive injury claim models are:1. GMC Yukon XL 1500 two-wheel drive2. GMC Yukon two-wheel drive3. Chevrolet Tahoe two-wheel drive4. GMC Yukon XL 1500 four-wheel drive5. GMC Sierra 2500 four-wheel driveThe least expensive collision claim models are:1. GMC Yukon two-wheel drive2. GMC Yukon XL 1500 two-wheel drive3. Chevrolet Tahoe two-wheel drive4. Ford Excursion two-wheel drive5. Ford Escape two-wheel drive 10 hardest cars to get insuredAs a rule of thumb, the larger cars and trucks are usually the easiest and cheapest to insure, as long as they do not do heavy damage to other vehicles in an accident. If you total another person’s vehicle, your rates will definitely increase.The cost to insure a specific make and model will fluctuate as time passes. Especially if it is brand new model to hit the market. Insurance carriers will examine how the vehicle performs in crash tests, as well as the average payout on accident claims. Insurance companies also look at how durable or dependable the vehicle is, based on basic maintenance and repair costs.Source also avalaible on : www.carinsurancerates.com