How To Get Decent Rates On Your Car Insurance

Many people think of car insurance as some kind of vague evil that they've got to get

, no matter what. When it comes time to purchase it, they see it as some kind of black box that gives them a policy when they turn in their money. To many, there is some kind or random number generator in there somewhere, because when they get together with their friends, nobody ever seems to be paying the same rate. In order to take the mystery out of car insurance, you've got to understand how the rates are calculated. When you understand that, you'll be able to save some cash, and get some good coverage. Then you'll be the envy of all your friends.

First of all, getting a car that is a bright color will cost you more for insurance. That's because you are a higher risk of getting a traffic ticket. Most police officers will deny this, but the statistics bear this out. People who drive brightly colored cars get more tickets, and this is reflected in their insurance rates. So if you want to save some cash, get a car that's not so brightly colored.

The younger you are, the more you are going to pay for insurance. While you can't really control this, you'll at least understand this section of the rates calculation. The most expensive age is between sixteen and twenty, with the cheapest age being in the forty to fifty rage. Of course, this sounds like some kind of age discrimination, but insurance companies only charge based on statistics. And younger people get into more accidents and get more tickets than older, more experienced drivers.

Of course, not all is lost if you are young. Getting good grades will put you into a cheaper bracket. That's because young drivers with good grades are much less likely to crash into a tree as people who are getting lower grades. This shows that you are conscientious, and will be paying closer attention while driving than somebody who is failing chemistry.

Of course, the more accidents you get into, the higher your rates are going to be. So the moral of the story is to simply not get into any accidents. Drive carefully, don't talk on the phone or text, and keep the radio at a low level. Always practice defensive driving, because you never know who's out there.

Adhering to these tips can help you save a ton of cash on your car insurance. Just drive safely, get good grades, and make sure your car doesn't attract the attention of the police.

by: Winston Takeda

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