Car insurance tips and tricks - Get lower car insurance rate

When looking to buy your next new car, have you ever considered how your choice of car will impact your car insurance rate? Negotiating a new insurance plan for your personal vehicle can be quite tricky since most of us are not really experts at such things, and let's face it, the insurance people we deal with typically make a commission on their sales, so it is hardly in their best interest financially to give us too deep of a discount.

What Do You Drive? Of all the factors that play into Insurance premiums, this one seems to be the least important. Different carmakers and models have different safety features that insurance providers like and dislike. In general, the faster and bigger the car is, the bigger the premium.  While I would argue that the driver makes up for 99.9% of all automobile accidents, insurance companies would argue that certain vehicles could cause more property and personal injury damage than others.

Who Are You? The very first information you will fill out when looking for a insurance quote is your personal information. Usually when you sign up for something, your personal information is only used for registration purposes. With auto insurance, however, who you are plays a very big role in how much you pay. Your gender, age, marital status, geographic location and health condition are all picked apart to see how responsible of a driver you are and how likely you might be to plow into another vehicle.  If you are a 17-year-old kid from New Jersey who isn’t married, you can expect to pay more than the 49-year-old married man of two from North Dakota. Professors and Engineers pay insurance substantially less than others because historically, their sub-culture has fewer accidents than others.

How Good Is Your Driving? If you’re like us and have never received a ticket or been in an accident then you should grade an A in this area. Speeding tickets, points on your license, DUI’s and any kind of auto accidents can negatively affect your auto record, as expected, and can cost you thousands of dollars in the long run. Many people don’t realize that a $200 speeding ticket is only the initial cost. Once your insurance provider gets a hold of that, expect to pay a little extra on your premium for a very long time.

Where Do You Drive? Using your car to commute from work, school and other general use is expected, but where you work and go to school can cost you. The more open the area, the less you will pay for auto (car) insurance. Cities such as New York, Miami, Los Angeles and Chicago are all highly trafficked areas that have thousands of accidents everyday. So if you commute to and from these areas, expect to pay more than the University of Montana student.

Bearing in mind that the insurance companies have more power than even government, and as a result they do share your information, and therefore it would be no surprise that the rates I am quoted are exceptionally similar since they all use the same input data to calculate what level of risk I pose to their profit making machinery. Their primary objective is to keep as much of the money we send to them, and our objective is to give them as little of our paycheck as we possibly can.

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