Lower Repair Bills Mean Cheaper Auto Insurance
If you want to save money on your new car’s insurance, considering buying a vehicle that’s easy and inexpensive to repair. You may be able to get a break on your premium, if your car model has a record of lower repair bills. Remember what car you drive is almost as important as your driving record, when it comes to your auto insurance premiums. Insurers are able to determine what kind of claims you are likely to file in the future based on the vehicle you drive. Before you buy a new car, compare auto insurance quotes.
Repair rankings
The National Highway Traffic Safety Administration uses insurance claim costs to determine which are vehicles have the lowest repair bills after collisions. Insurers then use this model-specific data to help establish auto insurance premiums. Each of the least expensive cars on this list cost less than the average vehicle to repair after a crash. Before you decide which car model to buy, check out the latest NHTSA’s Collision Relative Cost Information Booklet. When you have narrowed your search, apply for auto insurance quotes to get the best coverage and the lowest premium.
Safety records
Your car’s safety record also affects your insurance premium. Check the NHTSA’s Web site to find out if there has been a safety issue or recall associated with the car you’re considering buying. Insurance companies want to insure cars with records requiring fewer and less costly claims. Also review the National Insurance Crime Bureau’s most-stolen list for vehicles thieves target. You may get a discount if your car has antilock brakes, antitheft devices alarms, GPS tracking systems and safety gear — airbags, side airbags and automatic seatbelts. Having these devices may save you 10 percent or more on your premium. Always ask about discounts, when you apply for auto insurance quotes.
Hybrid discounts
Hybrid vehicles have expensive parts and need to be serviced by specially trained mechanics, so they may have higher repair bills. However, you may be able to reduce your carbon footprint and lower your insurance costs. Many insurance companies offer hybrid car owners discounts up to 10 percent on their premiums. Hybrid owners are considered to be safer and more cautious drivers.
When you are ready to buy a new car policy, you can call agents in your local area, contact insurance companies directly or use InsuranceQuotes.com to instantly get competitive auto insurance quotes from the nation’s leading insurance providers. Simply fill out an online form on InsuranceQuotes.com to find the right insurance coverage at the best possible price. Take the time to protect you and your family today.
