When I got my first car twenty years ago, I was clueless when it came to maintaining it and keeping it in a roadworthy condition. As a result, I had to pay for costly repairs that could have been avoided if the car had been looked after better. I learned my lesson and started reading everything I could about basic car maintenance. I started this blog to share what I've learned in the hopes it will save other new drivers making costly mistakes. I blog about a variety of topics, such as troubleshooting uneven tyre wear, the benefits of regular servicing and maintaining your car during the winter months. I hope you find my blog useful.
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Your choice of car impacts the amount you pay in car insurance premiums
Reginald Fox
If you are looking to purchase a new car, you have almost certainly taken into account aspects like comfort, styling, features as well as fuel economy. However, if you have not thought about car insurance prices, you might be in the dark regarding your car's overall ownership costs. In terms of new cars, a host of factors affects how much you will pay for auto insurance. This article outlines a number of important factors to help you with your auto purchasing research.
Size matters
Size certainly matters in regards to insuring a car. Although there is a popular belief that among motorists that smaller vehicles offer increased manoeuvrability and hence, an increased possibility of accident evasion, this remains a mistaken belief or fallacy. The young, riskier motorists for their high speeds hugely adore small, sportier cars thus they are more likely to be involved in an accident. As a result, they are more costly to insure. Based on that logic, it stands to explain that larger cars like SUVs might be cheap to insure. Nevertheless, a large car could soar up the price of your liability premium given the car's potential to cause a greater level of damage on other vehicles. If you are seeking for cheap car insurance, opt for vehicles in the mid-size class, such as minivans, mid-size SUVs and sedans.
Big cars, high insurance rates
Engine horsepower weighs heavily on your insurance costs. If you own a car with a high horsepower, the more likely you are to over speed and as a result, the increased likelihood of an accident. Different engine sizes, even amongst similar car brands and models, can make the difference in the cost of insurance premiums. If you wish to make savings on auto insurance, choose a car with less horsepower.
Expensive vehicles, expensive insurance premiums
A car's price tag weighs heavily on the amount of insurance premium that you'll have to pay for it. The rule of the thumb is that more expensive vehicles cost a lot more to cover, due to the high charges associated with fixing them or replacing damaged components. It is prudent to opt for reasonably-priced cars if you wish to make considerable savings on your auto insurance.
High likelihood of theft soars up insurance costs
It's terrible enough that vehicles are stolen, but to make maters worse, cars that are common targets among carjackers or robbers attract higher insurance charges than vehicles that aren't. Robbers target specific vehicles over others for a host of different reasons, including the car's overall appeal and the demand for its components. Ascertain whether your vehicle is prone to theft before you pay money for it, or make sure that you have proper equipment that will deter theft.
For more information on new cars, check out companies such as Blue Ribbon Motors.
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