Auto Insurance - What Makes A Car High Risk?

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