How To Get Cheap Auto Insurance For New Car Models

While auto insurance rates are largely based on a variety of personal factors, including an individual’s age, gender, driving history and location, the particular make and model of vehicle you choose can significantly affect your rates. Also, the fabrication year is relevant for insurance companies and depending on how old a car is, the rates will vary. If you have a brand spanking-new car, you can end up paying more than needed. Find out how to get cheap auto insurance for new car models and get a free car insurance quote if you plan buying a new car.

auto images2First, you should know which cars are the cheapest to insure, if car insurance costs are important to you. Minivans, mid-priced crossover SUVs and pickup trucks are among the most-affordable vehicles to insure with premium sports coupes and luxury cars commanding the priciest premiums.

Safety features will also determine the value of insurance premiums. If a car comes equipped with top quality safety devices and systems, it will rate better and may lower the insurance costs. But there’s a catch here: too expensive safety devices can in fact increase the costs, because overall, the vehicle will be more expensive. You must be very careful what you choose.  Consult the IIHS list with top safety picks and check the prices of each car.

Next, you could run some comparison tests.  Get quotes for each car you selected from that list and compare prices.  Get quotes from at least 3 providers and analyze existing offers and bonuses. When you get a list with reliable car insurance companies which will offer the best insurance prices, contact each one in particular and you should ask for any other possible discounts for low mileage, driver education or no claims.

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