Shopping for a New Car? Consider the Insurance Cost Before Buying

ByRobert B. Lawrence

Shopping for a new car may be fun and exciting but we all know the bottom line comes down to cost. Not just the price of the vehicle but also what it costs to insure it. The insurance premium you carry is an important factor but you should consider other findings when looking for a quote that might save you some money.

There are certain cars that are surprisingly expensive to insure. Back in the day, I would give the example of the Ford Escort and the Ford Explorer. The Escort cost more to insure which was surprising since the vehicle was about two-thirds of the cost.

The simple example that I would give is to picture an accident between and Escort and a tree while going 5 MPH. The Escort would have a LOT of damage from a minor collision. That same accident in the Explorer would result in a scratch on the bumper and a big "Oops!" from the driver. Nothing more.

There are many more factors that go into a rate, but that is a snapshot to explain why it isn't just the price of the vehicle.

Consider a package deal. Combining home owners, life and car insurance could save you a good deal. Discounts such as safety devices on the car (air bags, daytime running lights, passive alarm, VIN Etching), good credit rating, good student credit, safe driving courses and if the car is a hybrid/electric car. Try increasing your deductible or paying your policy in a lump sum to reduce the premium as well. Each of these can save you premium dollars.

Always shop and compare the insurance costs of vehicles. It's surprising to know the fact that a more expensive car may be cheaper to insure! Insurance companies estimate many things when determining the insurance rates for specific vehicles. Factors that affect the premium are: accidents by vehicle model, cost of repairs for each vehicle, claims for injuries and cost to insurers if the car is a total loss.

Typically, the safer the vehicle, the lower the cost is to insure that same vehicle. Drivers of a minivan are less likely to be in an accident as those who may drive a souped-up sports car. But the minivan cost for parts and labor may be more than the sports car. Every car has a different rating with the insurance companies.

The task may seem daunting but with the ease of shopping around, and taking the time to look into a car, may save you money even before you get to the car dealership!

Rob Lawrence provides insurance resources as a part of the insurance quote service at http://www.insurancelevel.com/auto-insurance.cfm

Click here to get "cheap car insurance quotes" that will provide you with a comparison on your insurance from top companies who are competing to earn your business.

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Insurance: Car-Auto
Robert B. Lawrence

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesHybrid Cars and Auto InsuranceAuto Insurance - 8 Ways To Lower Your Auto Insurance CostsAuto Insurance Guide to Risks and Premium Auto InsuranceHow to Buy a Car Your Auto Insurance Company Will LoveLow Cost Auto Insurance - How To Get The Cheapest Auto Insurance CoverRelax! When it Comes to Your Rental Car Your Auto Insurance Company Has You CoveredAuto Insurance Online Rates - How Accurate Are Auto Insurance Quotes and Rates Online?Ontario Auto Insurance Quote - Your Guide To Ontario Auto InsuranceComparing Auto Insurance - Tips on How to Compare Auto Insurance QuotesCar Insurance Online - Benefits of Applying for Auto Insurance OnlineRecent Articles17 Year Old Driver InsuranceEssential Things To Note Whenever You Make A Motor Insurance Coverage ClaimWhy Modern Automobile Makers Are Rediscovering ColorExamining How Your Credit Can Affect Your Insurance CoverageImportant Information About Car Accidents And Your Insurance CoverageHow to Change to a New Car Insurance CompanyCompetitive Performance and Modified Car InsuranceAuto Accidents - What to Do If You Hit a DeerEight Simple Ways to Reduce the Cost of Car Insurance for Young DriversTips For Making Best Choices For Insurance RenewalSubmitted On March 13, 2012. Viewed 2 times. Word count: 430.

MLA Style Citation:
Lawrence, Robert B.".".13 Mar. 2012EzineArticles.com.17 Mar. 2012 .APA Style Citation:
Lawrence, R. B. (2012, March 13). . Retrieved March 17, 2012, from http://ezinearticles.com/?Shopping-­for-­a-­New-­Car?-­Consider-­the-­Insurance-­Cost-­Before-­Buying&id=6938064Chicago Style Citation:
Lawrence, Robert B. "." EzineArticles.com. http://ezinearticles.com/?Shopping-­for-­a-­New-­Car?-­Consider-­the-­Insurance-­Cost-­Before-­Buying&id=6938064EzineArticles.com© 2012 EzineArticles.com
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Shopping for car insurance online

The World Wide Web can provide motorists with a lot of information about auto insurance. Drivers of research State requirements, gather estimates and purchase protection plans with minimal effort from the comfort of home. But before venturing into cyberspace in search of automatic coverage, there are several important details that motorists should be aware of. Online resources may allow individuals to compare quotes and make purchases more efficiently, but it is the responsibility of the consumer to take the necessary precautions to prevent the fraudulent activity.

Efficient gather and compare online car insurance quotes, motorists must convey several important details but should also safeguard confidential personal information. Buyers are asked to give their sex, age, address, history of claims and other essential details because these facts are used by insurers during the qualification process. There is some information, however, is rarely necessary to produce an estimate.

Number of social security of a person, for example, is a little important information should not be required to produce a sampling rate. Also quotes can be found on the Internet at no cost for motorists, giving little reason to require data from credit card companies. If a resource of Internet requires this information prior to produce an estimate, drivers is recommended to complete their purchases elsewhere.

Search secure online car insurance

Purchase of vehicle on the World Wide Web coverage requires precautions similar to avoid possible frauds or any other fraudulent activity. As noted by the Texas Insurance Department, coverage of buying on the Internet is safer when acting through a trusted merchant, but it is still important to keep all navigation software properly updated. An updated browser can help ensure credit card numbers and other sensitive personal data are encrypted and normally can notify the user if you are viewing a suspicious Web site.

For additional security, buyers should ensure that the address of the site begins with

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The Benefits Of Online Comparison Shopping For Your Insurance

ByDarren Kutcher

Many insurance companies are online and easy to get coverage from. However, choosing the first one you come to is not the best way to make this important purchase. For most people today, time is as precious a commodity as money is. Save on both when you shop online for your auto coverage.

Before the internet was born, drivers usually spent a great deal of time shopping for car insurance. All the quotes you would have needed then to make an informed choice were obtained over the phone. Once you spent the time repeating your information over and over again, you may have finally gotten enough quotes to make a worthwhile comparison.

Today, however, you can visit websites that are geared for helping you get enough quotes for making an informed decision about your purchase. Some policies can become quite expensive, so making all the right choices is important for saving your money. There could be several aspects of a policy you may not need. Maybe there are some you will need more than others.

The benefit of being able to shop for your coverage any time is a plus for many drivers. If you work odd hours, you might have a harder time finding the time to purchase the best policy. You may work more than one job and find it hard to find the time for taking care of business like your auto coverage. When you shop online, you can do so at any hour on any day of the week.

Choosing a company online also allows you more time for choices. You do not have to worry about someone pressuring you into a purchase. Many people might feel this way when their agent is being patient about the choices being made. Taking your time to find the policy best for you has never been easier than it is today.

Immediate coverage is an awesome benefit you get when you purchase your policy online. You might also qualify for discounts for making your purchase over the internet as well. Once you have decided on a company, ask about the discounts you can get for buying online coverage. In fact, you may be eligible for several discounts that can save a lot of money.

For many families, insurance premiums take up a great space in their budgets. Learning how you can save the most money and time can allow you time for making the choices necessary for getting the most coverage for the least premium amount.

You will find complete details about car insurance PA requirements and tips on how to effectively compare ins quotes online, now.

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Insurance: Car-Auto
Darren Kutcher

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesTips on Finding the Cheapest Car InsuranceMake a Better Decision When You Compare Car Insurance Companies5 Reasons to Use Car Insurance Comparisons WebsitesWhen Making Your Car Insurance ComparisonUnderstanding a Car Insurance On Line QuoteKnow the Right Auto Insurance Provider - Car Insurance TipsHow to Find Affordable Car InsuranceHow to Get Online Car Insurance Quotes Quickly and EasilyCar Insurance - Getting Quotes From Reputable SourcesAdvantages Of Buying Online Car InsuranceRecent ArticlesWhat You Need To Do To Obtain Cheap Car InsuranceReasons Why Men Are Better Drivers Than WomenHow Little Lies Can Cost You DearlyChoosing A Car Insurance Company To Insure Your Car WithDoes Credit Affect Insurance Rates?Facts On Cheap Young Driver Car InsuranceInformation About Connecticut Car InsuranceSave Money by Comparing Cheap Car Insurance Quotes OnlineWhen Was Car Insurance Invented and Why?Having Your Car Protected In Spite Of Terrible Claim HistorySubmitted On March 12, 2012. Viewed 6 times. Word count: 417.

MLA Style Citation:
Kutcher, Darren".".12 Mar. 2012EzineArticles.com.14 Mar. 2012 .APA Style Citation:
Kutcher, D. (2012, March 12). . Retrieved March 14, 2012, from http://ezinearticles.com/?The-­Benefits-­Of-­Online-­Comparison-­Shopping-­For-­Your-­Insurance&id=6934793Chicago Style Citation:
Kutcher, Darren "." EzineArticles.com. http://ezinearticles.com/?The-­Benefits-­Of-­Online-­Comparison-­Shopping-­For-­Your-­Insurance&id=6934793EzineArticles.com© 2012 EzineArticles.com
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Shopping Around For Auto Insurance Coverage

ByMarc R Berry

Yes, it is true, by shopping your auto insurance you could potentially save up to 30% or more on your auto insurance rates. In order to get the best competitive quotes it is important that you know a few things about comparing auto insurance rates:

Be sure to compare Apples to ApplesDo some quick research on the insurance companies that want to quote your businessAsk about discountsUse a site that will provide multiple quotes

Comparing Apples to Apples

It is important to make sure that you use exactly the same coverages for every company that is quoting your business. If you select a $500 collision deductible for one company & a $1000 deductible for another, your rate quotes will definitely be different. What your after is the best rate for the same coverages.

Research the companies

Even though you may recognize an insurance company name, we still suggest you check on the financial strength rating of each company. One of the better sites out there in terms of checking the financial strength of an insurance company is AM Best, link at bottom of this article.

Ask about discounts

All auto insurance companies offer discounts although not all offer the same discounts. This is a great opportunity for you to reduce your rates. Unfortunately, not all insurance agents or companies will offer them to you when you are purchasing a policy. So, be sure to ask as every discount adds up and can save you hundreds per year. Below are some of the most common discounts you should ask about if they are relevant to your situation:

Good driver discount: have you been free of speeding tickets or other driving violations? If so, this can save you a bundle.Safe driver discount: have you been accident free? If so, this one definitely applies to you.Are you a student? many insurance companies offer discounts for students that earn a certain GPA. You will need to check with each as the GPA may different for each.Multi-car discount: if you insure all of your vehicles with the same carrier, they will often offer an additional discount.Anti-theft equipment: if you have this type of equipment, whether it is stock or aftermarket, let the insurance company know about it.Low mileage: the fewer miles you drive the lower your rates. The less you drive, the lower the risk of being in an accident

Use a site that will provide multiple quotes

Many of us typically think of going directly to an insurance carriers site, such as GEICO or Progressive, to get auto insurance quotes. Although there is nothing wrong with that, remember that our goal with shopping for cheaper rates is to compare companies to get the best rate. Although you could go to each companies site and fill out their form, that seems like a bit of a waste of your time. I suggest using a auto insurance comparison site to shop. By doing this, you fill out one form and are quoted by multiple insurance companies.

Industry data suggests that most people prefer to get 2 to 3 quotes from different companies before making a purchase decision. When you use a comparison site that is what you will get.

So, in summary, yes, shopping around for cheaper auto insurance rates can definitely save you money. If you are sure to remember the few points above, I am confident your shopping experience will yield a much better result and hopefully get you on your way to saving money on insurance.

Helpful link: AM Best

Marc Berry brings over 8 years of direct experience in the auto insurance field, having worked for 2 of the largest and most respected insurance companies in the nation.

Marc' site also allows you to get free auto insurance quotes from the nations leading provider.

Visit SecureMyAutoInsurance and find your savings!

Article Source:http://EzineArticles.com/?expert=Marc_R_Berry

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Insurance: Car-Auto
Marc R Berry

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesDiscount Auto Insurance - Get Low Rates And Superior CoverageTop Rated Auto Insurance Companies in United StatesCar Insurance - Cheap Low Cost Auto InsuranceHow to Get Low Rates - Auto InsuranceCar Insurance Cost - What Type of Insurance Do You Need?Homeowners Guide to Home Insurance Discounts, Reduced Rates and SavingsWhere to Get Car Insurance With Low RatesTips For Saving On The Best-Rated Auto Insurance At An Ultra Low PriceGet Low Rate Car Insurance Today - How to Find OneWhich Top Rated Car Insurance Company to Choose?Recent ArticlesAuto Insurance - Describing Insurance BenefitsGirly Men Save On Car InsuranceGap Insurance - To Defer or Not to Defer, That Is the QuestionAffordable Car Insurance for Teen DriversBenefits of Short Term Car InsuranceSaving Money on Car Insurance TipsCar Insurance - What You Need to Know About ItMerits Of Car InsuranceCar Insurance Advice That Is Proven BeneficialThe Hidden Costs of Car InsuranceSubmitted On February 23, 2012. Viewed 5 times. Word count: 594.

MLA Style Citation:
Berry, Marc R.".".23 Feb. 2012EzineArticles.com.2 Mar. 2012 .APA Style Citation:
Berry, M. R. (2012, February 23). . Retrieved March 2, 2012, from http://ezinearticles.com/?Shopping-­Around-­For-­Auto-­Insurance-­Coverage&id=6900908Chicago Style Citation:
Berry, Marc R. "." EzineArticles.com. http://ezinearticles.com/?Shopping-­Around-­For-­Auto-­Insurance-­Coverage&id=6900908EzineArticles.com© 2012 EzineArticles.com
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