Car Cheapest Insurance Quote

Looking for car insurance can be a bit of a pain, especially when there are so many variables that can effect whether or not you can get the cheapest car insurance quote possible for your vehicle. There are a few factors that can help put the ball in your court. For starters, car you currently drive can have a pretty big effect on getting the cheapest car insurance quote. Certain model cars are seen favorably by car insurers, while other models are given higher rate quotes, most times for good reason. Small economy cars and ordinary family sedans such as the Toyota Corolla and Camry are often given lower rates, largely because they are safe and frugal on gas.

Convertibles and sports cars such as the Ford Mustang are often quoted higher rates, because these cars are often faster, not as safe and often driven by individuals with more aggressive driving styles. Other cars such as the Acura Integra and RSX are constant targets of car thieves, which make for more claims filed and consequently higher rates. Cars that have been awarded 5 stars in crash tests performed by the National Highway Traffic Safety Administration also receive lower rates due to their proven safety. These cars include the 2010 Ford Taurus and 2010 Toyota Camry, both which recently received 5 stars in both frontal and side crash tests.

If you have a teenaged driver, the type of car they drive can have an even bigger effect on insurance rates. Any car with a high amount of horsepower and performance will spell higher rates for teenaged drivers. Fortunately, enrolling them in defensive driving courses can save anywhere from 5% to 10% on their insurance premiums. Taking part in defensive driving classes serves as proof to the insurance company of your choice that your teenaged driver has been taught in safe driving practices and techniques that could potentially save their life, as well as the lives of others on the road.

If you’re in the market for a brand new car and want to get the cheapest insurance quote possible, then you have to choose your next vehicle wisely based on what you plan to use it for most of the time. If you have to perform long commutes back and forth from work, then it’s probably not a good idea from an insurance standpoint to do it in a performance oriented car, especially since a practical compact or midsized car can not only do the job well, but also save you plenty of money on insurance. On the other hand, if you want a sports car just to drive on the weekends, then you might feel a bit more comfortable paying the extra costs of insurance. These costs may not be as much as you’d think, especially if you choose your liability coverage and other extras carefully.

The same goes for if you are considering a used vehicle and want the cheapest car insurance quote possible. Used cars often receive cheaper rates, and as a bonus, it may not be necessary to include comprehensive and collision coverage in the deal that can raise your monthly rates. Some drivers also opt to retain only the minimum state mandated liability coverage (which is usually a 25/50/25 split between bodily injury for one person and all parties in an accident and property damage). Be careful, as this may make you liable for any monetary damages that are not covered by the insurance company. Your driving record can also have an effect on your rates – traffic violations such as speeding tickets, DUIs and other offenses can make your insurance rather expensive.