0 How to Cut Your Insurance Costs?

There are many factors involved in getting the least expensive car insurance.  Much of it depends on your own driving record, but other factors go in to the insurance company’s final decision on pricing.  Besides keeping down your accident rate, there are other ways to lower the cost of your insurance.  Here are five ways to keep down your insurance costs to get the best deal on your auto insurance.

1.      Determine the Car With Lowest Insurance Rate

Each year a list is released with the cars that have the lowest insurance costs.  These cars are determined by their cost to repair, drivers statistics, theft statistics, and more.  This year the list was filled mostly with SUV’s, the Ford Edge topping the list.  (the rest of the list can be found at http://www.carinsuranceguidebook.com/the-ten-cheapest-cars-to-insure-in-2013-2).  If you are thinking of purchasing a new car and hoping to keep insurance rates down, looking in to what cars will cut your insurance cost is an important part of your search.  While the list has the average for cars that will cut your cost, it is best to check in with your prospective insurance companies. 

2.      Insure More Than One Car/Driver

When multiple cars and drivers are listed under the same insurance policy, companies often lower the auto insurance cost for each car/driver.  In this case, if you are wanting your college age driver to start paying their own insurance, it may be better to have them pay you in order to keep them and their car under your insurance policy.  The insurance company will be making more money from you while you save more from them.

3.      Driving Course

Some insurance companies will lower your insurance rate if you take a defensive driving course.  Completion of this course can also help lower incidentals from your driving record.  To find out the appropriate course to take and how much it will end up lowering your insurance cost it is best to ask and agent from your insurance company.  The classes cost money to take and it is important to ensure the cost of the class will end up positively effecting the cost of your insurance.

4.      The Less You Drive the More You Save

This is not true only of gas money but also of money you can save on insurance.  Insurance companies ask you questions such as how many miles you drive to work each day and if you take public transportation or ride a bike, you can cut down significantly on your insurance costs (along with helping out the environment).

5.      Lower Costs for Good Grades

For drivers in high school and college, insurance costs are often much higher as they don’t have a driving record to speak of yet and younger drivers statistically get in more in accidents.  It is a good idea to inquire with your insurance company about lower costs for drivers with good grades.  Since younger drivers are usually the most costly, this option with insurance companies can be extremely helpful in cutting costs.

For more information on how to cut your insurance costs visit www.carinsuranceguidebook.com.

5 8 Cars with Lower Insurance Rates

Are you looking for a car that is inexpensive to insure? There are a number of autos out there that will not cost an arm and a leg in car insurance. An auto is an expensive item, and it can be costly to keep it properly insured. Listed below are 8 vehicles that are less expensive when it comes to yearly insurance rates.

Keep in mind when shopping for a new car that SUVs and crossovers seem to be tops in 2013 for lower insurance premiums. Not all that long ago, minivans were the least expensive to insure, but that may now be changing. Insurance companies also take into consideration the age and gender of the driver, the type of driving record that is involved, and even the part of the country where the driver lives. You will also pay more for auto insurance if you are driving a luxury car that is very expensive to repair.

1. Ford Edge SE

The Edge just may be one of the cheapest vehicles to insure, and it also happens to be a very dependable car to drive.

2. Subaru Outback 3.6R

The 3.6R is not only less expensive to insure, it also has a number of features that can be added for driving enjoyment.

3. Subaru Outback 2.5i Premium

This particular Subaru model is cheaper than the 3.6R by over $3,000. It is a good vehicle for those who do a great deal of driving since it provides good gas mileage.

4. Kia Sportage

The Sportage has received high safety ratings and may be a good choice for families with small children. If you have youngsters, you might want to consider a vehicle that will cost less to insure and also provide a safe, dependable drive.

5. Jeep Grand Cherokee Laredo

The Laredo may be a bit more expensive to purchase, but it will be a money-saver over the years when it comes to yearly insurance premiums.

6. Hyundai Tucson GLS

The GLS is somewhat more expensive than Hyundai's Tucson GL, but the vehicle does give the owner the option of adding features that cannot be added to the GL.

7. Jeep Patriot Sport

Of all the Jeep models, the Patriot Sport is the least expensive to purchase. It also gets good gas mileage. These benefits along with cheaper insurance premiums make it a good choice if you are in the market for a new vehicle.

8. Chevrolet Express 1500

If you are looking for a commercial van for your business that will also be cheaper to insure, this model may fit the bill. With an eight-cylinder engine, it can easily accommodate heavy loads. It pays to have a commercial vehicle that will not eat up your business profits with high yearly insurance premiums.

These eight vehicles are all on the list for lower insurance rates. If you are searching for a vehicle that will not be too expensive to insure, you might want to consider one that is mentioned above.

Authors Bio: Melanie Lewis writes for a site that has a useful car purchase calculator to help buyers determine the monthly cost of buying a new vehicle.

1 Sorting Through The Types Of Car Insurance Can Get You A Better Deal

Types of car insurance are more varied than you may realize. Aside from the standard categories, there are many other specifications that can be used to tailor your policy to your needs. In fact, with the options currently available on the market, it is easier than ever to personalize your auto insurance.

Your choice of insurance can have a significant bearing on the amount you pay, so it is important to consider all of your options and make an informed choice. That can be done by consulting online insurance comparison services, where everything is spelled out for you and you can even get instant quotes from all the major insurers.

Each insurer will have a different approach to tailoring your policy but all of them start with the basic types of coverage. These include Comprehensive, Collision, Casualty, Liability, Full Coverage and Commercial. You can then add on other types of coverage to personalize your policy even more.

While choosing between types of car insurance is generally up to the driver, most states require a minimum amount of liability coverage. Some states may require more and that's another thing you'll have to determine before you can start to put together your policy. You need to make sure that you've met the state requirements before worrying about what extra coverage you might want.

In general terms, Casualty, Liability and Collision all cover the damages incurred in an accident if it is deemed to be your fault.