By: Charles Mclain
Most times, when people look for cheap car insurance, they tend to focus on what they can do as a driver. They go for defensive driving courses, fixing their credit scores, looking online for the best quotes, negotiating with car insurance sales agents, and whatnot. These are all good ways to make auto insurance cheaper. However, you can bring the auto insurance costs further down if you do something about your vehicle.
The vehicle has its own risk level totally independent from that of the driver. Normally, the automobile is rated from A to E, where E is deemed as the highest risk. There are a lot of factors that come into play in determining the risk level of the vehicle. For one, there's security.
Cars often come with good security systems. Car alarms, while not very popular in older cars and still aren't included in older model cars, are quickly becoming a staple of vehicles. If your car doesn't have an alarm, get one.
There are other features that can be added to the vehicle to increase its safety rating. Side airbags, for instance, reduce the level of injury in case of an accident. Daylight running lights and lamps that turn along with your steering wheel also reduce the likelihood of accidents. Antilock breaks and even simple window bars can make your car safer.
Note that most insurance companies only accept stock cars with stock parts. If your car has been modified in any way, insurance companies would either deny your application or charge you ungodly amounts for insurance. You see, modified is usually done to make the car faster and more powerful, and this has consequences.
The more power your car has, the higher its risk level is. Powerful cars are more often than not tried in terms of how fast it can go. It is also a mark of luxury of sorts, as powerful cars are often expensive. As you may already know, expensive cars are expensive to insure simply because the parts to be replaced during repairs are expensive by nature.
If your car is one of the most commonly stolen vehicles in your city or state, then you will need to double time in making your car safe. If your car can be stolen, it WILL be stolen. Make sure to park your car in a garage at home and at work. Keep your car safe from "threats", whether natural or otherwise, and you'll have cheaper insurance.
Article Source:EzineArticles.com
Wednesday, October 20, 2010
Coverage Of Car Insurance
By Charles Mclain
Some of us know firsthand that the cheapest isn't usually the best. This holds true in car insurance as well. When looking for a car insurance quote, whether online or otherwise, we usually hunt for the cheapest ones. There's nothing wrong with that, but you have to remember that the quotes that you get are NOT final. There's always some factor that can make it rise, and there are a ton of things you can do to bring the quotes down. One thing you have to do is know what coverage you need.
By knowing the coverage that you need, you can pick out exactly the type of insurance that you will want to have. For instance, if you wish to go for a full coverage, then you can expect the insurance bills to be quite expensive. If you decide to just go for a collision coverage just to fulfill the mandatory requirement of having an insurance policy, then it will be cheaper. However, without comprehensive insurance, you may be shelling out from your own pocket if your car gets damaged due to factors other than collision.
Comprehensive insurance is considered a necessary evil in car insurance. You need it, but it can really hurt your pocket. The reason that comprehensive insurance is expensive is because it covers most of the damages that you cannot avoid even if you are a good driver. This includes mostly what nature dishes out, including floods, hailstorms, lightning storms, and earthquakes. If your car falls victim to vandalism, theft, or even simply gets caught in a fire, comprehensive insurance covers that as well.
The good thing about comprehensive insurance is that it is optional. That being said, you can choose to not get it at first, and just settle on a liability or a collision insurance policy. Once you get a steadier income, you may want to have that comprehensive insurance. On a side note, if you have a brand new car or a car that's leased, you may want to get comprehensive insurance - since most banks would require that before granting your loan.
At any rate, the rule of thumb in coverage is to get one that's a step up of what you need. This ensures that you get taken care of if you get into any type of trouble. While this may cost you a little extra, you can always get your hands on discount opportunities. Do that, and you will have a good coverage at low cost.
Article Source:EzineArticles.com
Some of us know firsthand that the cheapest isn't usually the best. This holds true in car insurance as well. When looking for a car insurance quote, whether online or otherwise, we usually hunt for the cheapest ones. There's nothing wrong with that, but you have to remember that the quotes that you get are NOT final. There's always some factor that can make it rise, and there are a ton of things you can do to bring the quotes down. One thing you have to do is know what coverage you need.
By knowing the coverage that you need, you can pick out exactly the type of insurance that you will want to have. For instance, if you wish to go for a full coverage, then you can expect the insurance bills to be quite expensive. If you decide to just go for a collision coverage just to fulfill the mandatory requirement of having an insurance policy, then it will be cheaper. However, without comprehensive insurance, you may be shelling out from your own pocket if your car gets damaged due to factors other than collision.
Comprehensive insurance is considered a necessary evil in car insurance. You need it, but it can really hurt your pocket. The reason that comprehensive insurance is expensive is because it covers most of the damages that you cannot avoid even if you are a good driver. This includes mostly what nature dishes out, including floods, hailstorms, lightning storms, and earthquakes. If your car falls victim to vandalism, theft, or even simply gets caught in a fire, comprehensive insurance covers that as well.
The good thing about comprehensive insurance is that it is optional. That being said, you can choose to not get it at first, and just settle on a liability or a collision insurance policy. Once you get a steadier income, you may want to have that comprehensive insurance. On a side note, if you have a brand new car or a car that's leased, you may want to get comprehensive insurance - since most banks would require that before granting your loan.
At any rate, the rule of thumb in coverage is to get one that's a step up of what you need. This ensures that you get taken care of if you get into any type of trouble. While this may cost you a little extra, you can always get your hands on discount opportunities. Do that, and you will have a good coverage at low cost.
Article Source:EzineArticles.com
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