Tips to Get the Best Car Insurance Rate | BEST CAR INSURANCE

You cannot blindly buy the most effective motorcar insurance deal while not active some helpful tips. you wish to some data so as to urge low-cost insurance.

Over the quick few years, buying insurance has become a less nerve-wracking issue to try and do. In these fashionable days, all you wish to try and do is fill out a kind on-line and you'll be able to get motorcar insurance quotes during a nick of your time. the most effective half is, you'll be able to get multiple quotes from many completely different firms all promptly. however before buying insurance, there square measure many belongings you need to understand. These square measure the ideas to urge the most effective motorcar insurance deal.

1) you have got to take care of smart credit rating. Most insurance firms consider your credit rating to see the speed you are your insurance. They somewhat believe that smart bill payers square measure smart drivers still. Therefore, so as to urge low insurance rate, pay your bills on time. shut down your credit rating a minimum of 3 months before obtaining insurance quotes.

2) Park your automobile safely. If you retain your automobile off the road, it'll have lower risk of being vandalized and taken. motorcar insurance firms can be additional than willing to supply you low rates if your automobile in being unbroken safely.

3) scale back your mileage. Drive your automobile only you actually need to. Take public transportation whenever doable. By reducing your automobile mileage, you'll be able to get mileage discount.

4) purchase alittle sedan. alittle and smart automobile has lower accident and automobile thievery statistics. you'll be able to get low-cost motorcar insurance by driving a 'down-to-earth' automobile rather than a flashy red sports automobile.

5) Install safety options in your automobile. Equipped your automobile with airbags, steering lock and warning device devices to lower the chance of automobile collision and conjointly automobile thievery.

6) Have higher deductibles. Paying for higher deductibles can permit you to possess low insurance rate. However, you'll got to cover if your automobile is concerned in associate accident. this is often not best for people who cannot afford additional emergency expenses.

7) Negotiate for discounts. ne'er be too back to fire a reduction. you'll not loose something there. You ne'er understand what reasonably discounts you would possibly get.

8) Relocate yourself. this is often somewhat an excessive amount of. however if you actually need to urge low-cost insurance, move aloof from town wherever automobile thievery and rascality is rare.

What Cars Have the Best Car Insurance Rates? | BEST CAR INSURANCE

When consumers shop for a car, they don't usually consider if the type of car they buy will affect their insurance rates. The type of car you buy actually plays a part in whether you pay a high or low premium. If you are looking to acquire a reasonably priced insurance policy with your new car, it is important to know what cars have the best rates.

The nonprofit public service organization, The Highway Loss Data Institute, (HLDI) is a group that assesses vehicles for the insurance industry to find out which cars are a high risk.  By high risk, they mean cars that are most likely to be stolen, involved in an accident as the result of a collision, and have a high number of injury claims filed. When assessing the risk of theft, the organization will look at such as aspects as the number of doors a car has as well as the color of the car. The HLDI has found that "four door cars have a 93% less chance of having a claim related to theft than 2-door cars of the same make and model."  As well, a report by the National Insurance Crime Bureau (NICB) found that "cars that have the least claims filed for theft include the Buick LeSabre, Volvo V70 Station Wagon, and the Mercury Grand Marquis."

According to HLDI, the lowest injury claims filed are large vehicles such as large cars, pickup trucks, and sport utility vehicles (SUVs). Many car retailers report that the following cars are the least expensive to insure:

-      Chrysler PT Cruiser 4dr Wagon
-      Jeep Liberty Sport 4WD 4dr SUV
-      Saturn L300 1 4dr Sedan
-      Volvo S40 4dr Sedan
-      Saab 38600 Linear 2.3t 4dr SportWagon
-      Buick Century Special Edition 4dr Sedan
-      GMC Safari SLE AWD 3dr Minivan
-      Dodge Caravan SE 4dr Minivan
-      Saturn ION 1 4dr Sedan
-      Pontiac Sunfire 2dr Coupe

Vehicles that are among the least expensive for collision claims include:

-      GMC Safari 4-wheel drive
-      GMC Yukon XL 1500 4-wheel drive
-      Ford Excursion 2-wheel drive
-      GMC 2500

Vehicle Models with some of the least expensive injury claims include:

-      GMC Sierra 2500 2-wheel and 4 wheel drives
-      Chevrolet Silverado
-      GMC Yukon XL 1500 4-wheel
-      Chevy Tahoe 2-wheel

A few of the ' Top 2009 Safety Pick Cars' as published by the Insurance Institute for Highway Safety include:

- Large Cars: Acura RL, Audi A6, Cadillac CTS, Ford Taurus, Hyundai Genesis 

- 4-door models built after 11/08, Lincoln MKS, Mercury Sable, Toyota Avalon, Volvo S80 

- Midsize Cars: Acura TL, Acura TSX, Audi A3, Audi A4, BMW 3 series 4-door models, Ford Fusion 2009-10 models with ESC (optional in 2009, standard in 2010)

 - Honda Accord 4-door models, Lincoln MKZ 2010 models, Subaru Legacy, Volkswagen CC 

- Small Cars: Honda Civic 4-door models (except Si) with optional ESC, Mitsubishi Lancer with optional ESC, Scion xB, - Subaru Impreza, Toyota Corolla with optional ESC, Volkswagen Rabbit 4-door models, Volkswagen Jetta, Volkswagen Passat

When determining insurance premiums, insurance companies will look at a car's make, model, safety record, and rate of theft. Knowing these statistics will help you choose the best car with the best insurance rate.