Affordable Car Insurance-before You Buy A Car Consider These Factors That Jack Up Rates

Your vehicle choice is a big factor in finding affordable car insurance rates

. Face it, some car and truck models are prime candidates for car theft. If you own a Cadillac Escalade, a Pathfinder Armada, or a Hummer, the cheapest option may not be as affordable as it is for owners of other vehicles, as they are among the most targeted vehicles for car thieves. If you choose a car model that ranks high as a target for being stolen your premium will be higher.

Some cars are also more expensive to repair than others, which will also play a role in finding the most affordable auto insurance. If you own a Jaguar, Mercedes-Benz, or Audi, it is not likely that you will be able to find a premium that is comparable to a Toyota or a Honda. In the event you have an accident and the insurance company has to cover the repairs, the amount they will have to pay out will be much greater than repairs made to a less costly vehicle, meaning your insurance company is going to charge you more to cover your car.

Usually, you will find that the 4 cylinder models as well as 4 door models offer more reasonable car insurance quotes. Since there are many drivers who own vehicles that are not in this category, it is important to search for the most affordable car insurance by getting quotes from various providers. It is good to keep in mind that you need to review the coverage provided by the policy you are interested in to make sure that you are actually getting the most affordable insurance for you. You may find that the cheapest quote also provides for a high deductible or a coverage amount that is way below what you could get by paying a couple of dollars more through another provider.

Remembering that the type of car you own will have a bearing on your premium and finding a provider that can give you the highest coverage amount with the lowest premium are major factors in finding the most affordable car insurance for your needs.

by: Kate Rieger

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