Four rules for low cost car insurance

February 12th, 2010

There are four basic rules you must follow if you wish to purchase cheap car insurance. If you follow these rules carefully, you are sure to be able to find car insurance to fit any budget.
The first rule is: Buy and inexpensive car. The less a car costs, the less it costs to insure it. Cars like the Nissan Sentra, or Cube and the Ford Focus or Fiesta are excellent choices.
Buy a car that is cheap to repair. That is the second rule. Insurance companies consider the cost of car repair when deciding on insurance rates. If you buy one of several models offered by Hyundai, Kia, Mazda or Chevrolet, it will go a long way towards ensuring your insurance rates remain low. These cars are reasonably priced and inexpensive to repair.
The third rule for getting cheap car insurance is makeing sure the vehicle you buy has an alarm, immobilizer or tracker. Car theft is a major concern for insurance companies. The aforementioned devices make the vehicle difficult to steal and easy to retrieve. This saves both you and the insurance company money.
Carefully choosing where you live is the fourth rule for getting cheap car insurance. Choosing a small Midwestern or southern city like Wapakoneta, Ohio, Green Bay, Wisconsin or Chattanooga, Tennessee will save you hundreds each year in car insurance.
Follow these four rules and you will be the envy of your friends and family when you tell them what you pay for car insurance.

Finding Cheap Auto Insurance

December 24th, 2009

So you are about to buy a car but want really cheap car insurance. Then you must be selective when it comes to the price, type, security and acceleration of the vehicle.you choose.
If you want cheap auto insurance, then do not buy a hot rod or a high priced European car. That type of vehicle is expensive to replace or repair. Insurance covers you from potential loss or damage to your vehicle and insurance companies are in business to make money. Buying a high end car with quick acceleration and high top speeds represents high risk. Insurance companies use a rating put out by the International Organization for Standardization. This organization gives them an ISO number on each vehicle. If you choose a Japanese car like a low end Honda, Toyota or Mazda, you vehicle will have a low ISO and will cost less to insure.
Living in big cities in the north and west also drives up car insurance. The high cost of living in New York or Los Angeles translates into high auto insurance costs. You should consider living in Texas or a small town in Ohio or Wisconsin if you want to save money on car insurance. Car insurance is a gamble and insurance companies do not like to lose. You a better bet if you drive and inexpensive car and live in a small town. So if low insurance rates are important to you, buy a Chevrolet, Kia or Hyundai and move to the Midwest.