Buying a New Car? Bear in Mind Car Insurance Quotes

It’s worth remembering that when you purchase your new car, it’s likely to be the second largest investment you will ever make after a house. Making a decision about the right car for you will obviously depend on a number of factors, but an important one to take into account is how the vehicle you drive will affect car insurance quotes.

Here are some tips on how to make the right choices in order to keep quotes reasonably priced.

Model

Car insurance quotes reflect the model of car you choose. If you insist of a sporty racing model with a large engine you are going to be hit with a higher insurance premium than a more standard model variant. Take the time to really assess your motor vehicle needs. If you are only going to use the car to go shopping twice a week, then you can probably afford to go for a much lower specification motor. Not only are basic models cheaper to buy, they also receive much lower car insurance quotes as the spare parts are easier to source than special models.

The trick is to avoid elevating yourself into an elite category of specialist motor vehicles which attract much higher premiums on car insurance quotes. Opting for things such as a smaller engine or a hard top instead of soft-top convertible can help reduce your insurance costs.

Anti-theft devices

When looking to purchase a vehicle, it’s a good idea to invest in one that has sound anti-theft devices fitted. Obviously car insurers are looking for a car which is not going to attract the attention of thieves, and an industry recognised anti-theft device will not only dissuade burglars but make insurers happier and is more likely to reduce car insurance quotes that they offer you.

Mileage

Cars that have done less mileage attract cheaper quotes. Quotes are cheaper because cars with fewer miles on the clock are less likely to fail and need expensive parts replacing. Where possible, it’s a good idea to buy a car which has done relatively few miles. As an added tip, you can reduce car insurance quotes significantly if you are only going to travel a short distance annually. The fewer miles you drive in a year, the cheaper your car insurance quote will be.

Cheap Online Car Insurance Quotes – How To Find The Best Price Possible

Many people want cheap online car insurance quotes in order to find out the right insurance for them save money. While it is certainly difficult to find cheap car insurance for some people, there are certainly many things you can do in order to save money. Here are some important tips to keep in mind that will help you save much money as possible for your next auto insurance policy.

First of all, keep in mind that the car you drive is will play a huge role in your car insurance quotes. For instance, if you drive a sports car classic car, you can expect a much higher quote because sports cars generally get much more accidents than regular cars.

Also, these types of cars are highly targeted by thieves, and therefore pose a much higher risk to the insurance company. Avoid these cars if at all possible.

However, no matter what kind of car you drive you can also lower your car insurance quotes by getting an anti theft system for the car. This will dramatically reduce the chances of the car getting stolen, and therefore reduce the risk to the insurance company.

Also, keep in mind they a good driving record will go a long way in how much money will pay for your car insurance. However can even if you do a bad driving record, you can certainly do some things to lower your auto insurance quotes. For instance, you can take a drivers education course which will go a long way to lower your insurance rate.

Another important factor in finding good cheap online car insurance quotes is how many miles you plan driving a car per year. If you plan driving a lot of miles, the insurance company sees you at a higher risk for getting an accident as you will be on the road more often.

Therefore, try to drive as little as possible. Of course, some people simply have to drive a lot, and there’s nothing they can do about it. However, try to drive as little as possible.

While there are certainly some other things you can do to lower your car insurance rate, these by far the most important and the main factors that will come in flight. Follow these important tips and you’ll be able to receive cheap online car insurance quotes very quickly and easily, and find the right insurance company for you.

Canada Car Insurance Quote – How Anti-Theft Devices Help Reduce Premiums

There are a few insurance facts, tips and hints that will help you save a little on your car insurance premiums, however, for the most part, here is one that we tend to forget to check into…

When people shop for a Canada car insurance quote they remember to discuss with their agent the obvious factors that can reduce their car insurance premiums like driver training, dropping collision from older cars, not using your car to drive to work, however when getting a Canada car insurance quote many forget to mention anti-theft devices they may have to protect their vehicle. By not mentioning anti-theft devices when you shop for a Canada car insurance quote you could be leaving behind some additional discounts.

Auto theft costs are huge, they cost Canadians approximately 1.2 billion a year when you add up legal bills, insurance costs, not to mention health care costs for those thefts which involve injuries. Obviously it is in our best interest and the interest of the Canadian insurance companies to take the steps in providing anti-theft devices that will help reduce these costs and let’s face it, any sort of car insurance discount means money kept in your pocket!

There are three general categories for anti-theft devices, understanding these will help you when you are shopping for a Canada car insurance quote:

1. mechanical – these are devices that prevent the steering wheel from moving – ie: locking bars

2. alarms – these cause horns and lights to go off when someone tries to break into the car

3. electronic – immobilizers that cuts the power to the ignition so the car can’t be started,

The three mentioned are very familar to us, most familar now are the electronic immobilizers because recently the Government has just made them mandatory in Canada. These three categories of anti-theft devices can be broken down again into two categories:

Active devices – devices that require you to turn them on to activate them (mechanical and alarms)

Passive devices – devices that are activated when you turn the engine off (electronic)

It’s the passive devices that Canada car insurance companies are the better of the two because they don’t rely on us to remember to turn them on, they come on on their own.

Before you start shopping for a Canada car insurance quote, take advantage of all the insurance facts, tips and hints [http://www.insurmycar.ca/carinsurancefactstipsandhints.html] that will help you save. In this case take a couple of minutes and write down the anti-theft devices your car already has. Write down if you have an engine immobilizer, wheel locks, car etching anything and everything your car has and ASK about each of them and see what sort of discounts the insurance company will offer. DON’T ASSUME that just because engine immobilizers are mandatory that a discount has been applied, make a point of asking.