Which States Cost the Most to Insure My Automobile?

It is no surprise that some states are simply more expensive to live in. What you might not know, however, is that some states are also guaranteed to be more expensive for insuring your vehicle. The top most expensive states in which to insure your automobile include Louisiana, Michigan, Oklahoma, Montana, and California. In Louisiana, the average premium rate is a shocking $2,510.87. In Michigan, $2,098.29; in Oklahoma $1,869.39; in Montana $1,857.96; and in California $1,774.41. Despite these high average rates, this does not mean that you will have to pay anywhere close to these amounts. No matter where you live, but especially if you live in one of the more expensive states, you can lower your premium rate by being smart about choosing your coverage.

Far too many people, both in and out of these states, make the mistake of simply going with the first provider they find or with signing up for a short lived too good to be true deal that quickly peters out to higher coverage rates. It is your responsibility as a driver to take the time to research all of your car insurance options and to seek out the best possible coverage at the most affordable price. To do this, of course, takes time and effort. If you’re willing to put that forth, however, it won’t matter at all where you live; you can still get a great deal on your car insurance.

Your first step as a responsible driver is to compose a list of all of the licensed insurance providers in your area. Sometimes, insurance bureaus or the local Chamber of Commerce will maintain such a list and give it to you for free. If this is not the case in your area, then you can compile your list by searching through the phonebook or by browsing online. Make sure that you include both the larger, well known providers, like GEICO and All State, as well as the smaller, more local providers. These smaller providers, which are all too often overlooked, will usually have great deals and affordable coverage in an effort to keep up with the competition.

Once you have your list, you’re ready to begin the research process. You can start small by simply going to the website of each provider. Though you won’t be doing a lot of crossing off at this point, you can easily eliminate those providers that don’t cover your specific type of vehicle or that don’t offer policies that you feel suit your needs. After passing this initial phase of research, it’s time to get down and dirty! Read online reviews, written by past and current clients of each insurance company. While one or two or even a few bad reviews is normal, do take note if a particular provider receives overwhelmingly negative reviews, especially if it’s due to raising premium rates, poor customer service, or inefficient or unfair claims handling. Check the status of each provider with the Better Business Bureau, noting any complaints filed, and if possible, talk to others who have used the provider in the past. The information you learn from the process should help you to narrow down your list quite a bit and will make the rest of the process much simpler and much more manageable for you.

Your final step is to collect insurance rate quotes from each of the remaining companies. Quotes should always be provided to you free of charge; if a company tries to bill you for a rate quote or requires a “deposit” or credit card information, this is a big red flag that this is not a legitimate or honest company and definitely not one you should have any dealings with. When you have all of your rate quotes, put them in front of you and honestly assess them. Though it can be tempting to simply go with the provider that offers you the lowest cost automobile insurance, what you’ll really want to do is to look for the one that offers you the most adequate protection at the most reasonable rate. After all, cheap car insurance won’t do you a bit of good if it won’t keep you covered in the event of an accident.

Buick Lacrosse Auto Insurance

The Buick Lacrosse is considered a luxury car, meaning that it is designed with the driver and passenger’s comfort and security in mind. The car features cozy, cushy seats, cup holders, a state of the art sound system, and all of the other little extras that make it a true luxury vehicle. Unfortunately, however, luxury vehicles are worth more and, as such, they run a higher risk of being stolen. This is even more likely to happen if you own the latest model Buick Lacrosse. When a car has a higher risk of being stolen or vandalized, then car insurance companies simply have to charge you more money for coverage to keep themselves protected.

Higher insurance rates, however, should not be enough to dissuade you from owning the car that you truly desire. There are many, many things that the determined driver can do to lessen the higher premiums and to pay a car insurance rate that is closer to that of the average vehicle. This takes a little work and a lot of shopping around for the right provider, but it definitely can be done. Just remember, if you put in the work now, you can own the car that you really want for years to come.

As mentioned briefly above, your first and most important step is to find a reasonably priced, fair provider. If you have a poor provider on top of owning an expensive to insure luxury vehicle, then you’re just asking for trouble. If you have a good provider, though, you’ll be much less likely to overpay for your automobile insurance, no matter what vehicle you own. So, take the time to research all of the different insurance providers in your area. You can start by obtaining a list of all licensed providers from your local insurance bureau or its equivalent. From there, it’s up to you to do research on each provider and to slowly narrow down your list. Reading the providers’ websites and learning about discounts and policies offered, reading online reviews written by past or current clients, talking to others who have used the insurance provider, and checking with the Better Business Bureau are all excellent means of whittling down your list so that it includes only the best providers out there. That way, you’ll have a lot less quotes to have to sort through, and you’ll be sure to end up with a good provider that offers excellent customer service and has a strong reputation in the community.

Once you have your list sufficiently narrowed down, all that is left to do is to request free rate quotes from each insurance provider you are considering using. Then, you have to compare these rate quotes to find the one that offers you the best coverage for your vehicle at the most affordable price. This does not necessarily mean that you will choose the cheapest policy, however. Remember that even though saving money is your goal, you will want to adequately protect your vehicle.

Settling on a good insurance provider is half of the battle. Once you have done this, you’ll want to take other means necessary to save money on your car insurance policy. Because you own a luxury vehicle, certain discounts will count even more for you with most providers. Installing anti-theft features, such as a steering wheel lock or a car alarm system, will lower the premium for any vehicle, for example. For a luxury vehicle such as yours, though, your premium will reduce even more. Most providers will also give you a discount for parking your vehicle in a safe place overnight and/or while you work. Anything else you can do to earn a discount should also be done. Talk to your provider about the different discounts available and what you have to do to qualify for them. Common discounts include safety feature discounts, awarded to those drivers who install safety features, such as airbags or antilock brakes on their vehicles; good driver discounts, for drivers who are not involved in any accidents or ticketable offenses within a set time period; and educational discounts for drivers who take defensive driving or other approved driver’s education courses.

Is My Car Covered if it Gets Hit by a Tornado?

Many people just automatically assume that their car insurance policy will protect them in the event of their vehicles being hit or damaged by a tornado or the falling debris and severe weather from a tornado. Unfortunately, however, not all policies will cover damages such as these, and sometimes the car owner is left out in the cold and is then forced to either take a loss or pay for damages to the vehicle out of pocket. It is up to the driver to make sure that his or her policy covers tornado damage and other forms of weather damage, especially in states where tornadoes, hurricanes, or other inclement conditions are common.

The good news for drivers is that if they have comprehensive coverage, their vehicles will most likely be covered in the event of damages to their car sustained due to severe weather. This covers flooding as well as hurricanes, tornadoes, and other natural phenomena. However, comprehensive coverage is generally not required in most states, so many drivers are putting their cars at risk by driving or owning a vehicle without comprehensive coverage. Even if you can only afford to take out a very minimal amount of comprehensive coverage, it is important that you do so. Contact your insurance provider today to ask about adding on comprehensive coverage, and always check to be sure this coverage will include tornado and other weather damage protection.

If you do not currently own your car or if you have a loan out on the car, then you will be required to have comprehensive coverage that will protect you in the event of a tornado or other damage. As such, you really don’t have to worry about coverage in this situation. What you should be aware of, however, is the amount of coverage that you have and whether or not it will actually help you in the event of damages to your vehicle.

In assessing how much comprehensive coverage you need in terms of weather damage, you really have to consider where you live. If your state or town is very prone to tornadoes, hurricanes, or other severe weather, then it can be a good idea to take out larger amounts of coverage than the average policyholder. Areas that are particularly prone to dangerous, inclement weather include Louisiana, Mississippi, Florida, Tennessee, and Arkansas.

However, in modern times, some states that may seem safe are getting shocked by surprising tornadoes. Consider the recent havoc reeked on the state of North Carolina and the small town of Joplin, Missouri. Many of the residents of these areas where not adequately prepared for tornado damage and are now paying the price. To keep this from happening to you, you should always be somewhat prepared for a tornado or other weather damage, even if you think that it is very unlikely to happen. The truth is that sometimes the impossible does happen, and this is what insurance coverage is there for.

One of the many reasons that people opt not to take out comprehensive coverage or to have lower amounts of comprehensive coverage than they actually need is, of course, because of increased premium costs. However, you shouldn’t let a lack of money stand between you and the protection that you need and deserve. If you truly want to protect yourself and your vehicle, then it is up to you to get out there, research a wide variety of different providers, and find an adequate coverage option that you can afford. Contrary to popular belief, they are out there; they just take a little more searching than the average person wants to do.

Even if you are happy with your current provider, it’s a good idea to make comparisons between it and other providers every so often. You won’t want to miss out on a great deal simply by becoming complacent with your coverage. Also, try to obtain discounts whenever possible by talking to your provider about available discounts and choosing to work only with those providers who care enough about you to offer discounts. Multi-policy discounts, safety feature discounts, anti-theft discounts, and more are all great ways to save money on coverage.

Prepare Your Car for Summer

warmer weather, and a lot of fun in the sun. For drivers, however, it also means worrying about new dangers to your car that weren’t present in the winter and spring months. Just because you have to be responsible, however, doesn’t mean all of the fun has to be sucked out of summer. In fact, preparing your car for summertime now can actually end up allowing you to have a better, more protected, and more worry free summer.

One thing you’ll want to check out with the start of summer, or even sooner depending on where you live and when cold weather subsides, is if there is any leftover salt residue on the car’s body. Salt, used to make slippery roads less dangerous in the winter, often attaches itself to the body of the car and, if left unheeded, can cause rusting and other external damage. If rusting isn’t taken care of, it could eventually affect the important internal parts of the car, so it’s best to do some damage control now and give your car a good, thorough scrub down.

Another small but important thing all drivers will want to do is to refill their washer fluids and make sure they remain full throughout the summer. This will keep bugs and other debris from clogging up the windshield, thereby making it more difficult to see and increasing your chance of accident on the busy summer roads. In addition to filling up the washer fluid, you’ll also want to make sure you’re good on coolant and water to keep your car from overheating during long, hot summer drives. While, you’re at it, it’s also a good time to check/change the oil, especially if you’re planning on a lot of long trips this summer.

You’ll also want to be sure to have your wheel and tire alignment checked out and realigned if necessary. Sometimes, the tough driving through winter snow and potholes and/or spring rain can lead to misalignment and driving difficulties that can cause damage to your vehicle or even shorten its lifespan. As such, it’s always a good idea to get these things checked out early in the summer so that you’re not plagued with problems—problems that could derail all your summer fun—later on down the road.

Finally, don’t ditch the anti-freeze just because it’s summer time. Though many people think anti-freeze should only be used in the colder months, it’s actually important all year round, because it keeps corrosion from happening and keeps your engine, one of the most expensive things you could ever have to repair or replace on a car, protected. If it’s been awhile, then you might also want to take your car in for a tune up as well, just to make sure it’s perfectly ready to handle all the demands of summer and to ensure that your summer will be a carefree one.

Does Living by the Ocean Cost Me More in Auto Insurance?

Something that many drivers who live by the ocean do not realize is that a lot (one might even dare to say most) car insurance providers will charge higher premium rates to these drivers. The reason being is that those who live by or on the beach are more likely to have their cars damaged, either via flood waters or falling trees and other debris, during a hurricane, tropical storm, or just plain bad weather. While this might not seem fair, the car insurance company is just trying to protect itself from entering into a high risk venture and losing money. Fortunately, however, there are many things that you can do to lower your insurance rates without sacrificing your beachfront or beach adjacent property.

First and foremost, note that the above paragraph says “a lot” of car insurance providers charge higher rates to those who live on or near the beach. This means that there are a few providers out there who will not charge you extra just because of where you choose to live and park your car. It is worth the time and effort to try and locate car insurance providers in your area who do not assess an extra fee for living on or near the beach. The best way to find out is simply to be upfront and to ask a provider. Also, keep in mind that smaller, more local providers—unlike corporate giants such as GEICO and Allstate—are more likely to not bill you for where you live in an effort to attract more customers. If you go with one of these smaller providers, just make sure their customer service and coverage options are up to your standards and that you won’t be sacrificing quality for a lower price tag.

If you can’t find a reliable provider that isn’t willing to offer you a rate that doesn’t take your living conditions into consideration, then it’s time to consider other options. You can save yourself money, even with providers who charge an extra fee based on where you live, by qualifying for discounts. Some discounts are directly related to you living on the beach. If, for example, you can prove that you park your car in a high rise parking deck, garage, or lot, reasonably safe from potential water damage, you may be able to get the extra fee waived or get a hefty discount. Ask your provider about others things you can do to better protect your vehicle from natural disasters more likely to occur near the ocean.

Other, unrelated discounts can also help you to reduce your premium costs. Discounts that many people qualify for, often without even knowing it, include good driver discounts, for those drivers who have not had any accidents or ticketable offenses within a set time period put in place by the insurance company; safety feature discounts, for drivers with approved safety features installed on their vehicles; and many more. Talk to your provider for more information on discounts offered.

Good Grades Give Teenage Drivers Auto Insurance Cutbacks

If you are the parent of a teenage driver, then you’ll probably be interested to know that the Nationwide Mutual Insurance Company recently conducted a small study on the amount that Americans tend to spend to insure their teen drivers. That figure was well above an already high $800 per year. If your income is close to that of the average family in the United States, then $800 annually isn’t something you can just afford to throw away, especially in these troubled economic times. The study also showed that approximately 66% of parents experienced worry and stress over making automobile insurance payments for their teenager drivers, something that most American adults definitely don’t need any more of in their lives. Another finding was that 41% of parents are completely responsible for the policies of their teen drivers and made spending cuts in other areas to compensate.

The truth is that you shouldn’t have to spend your days worrying about how to make ends meet and whether or not you’re going to be able to pay your teen’s insurance costs, especially not when there are surefire things you can do to make these worries a thing of the past. First and foremost, you will want to be sure that you add your teen driver to the policy that you already hold, instead of taking out a separate policy for the teen. Doing so can be a big mistake and can keep your teen from benefitting from the discounts and/or special rates you may already be receiving. Even if you’ve already opened a separate policy for your teen, it’s worth the hassle of calling your provider and changing your coverage options to avoid paying unnecessary extra costs for a car insurance premium.

You’ll also want to urge your teen to do well in school and, of course, to stay in school. Most states will not allow drivers who drop out of high school to keep their licenses, so remind your teen of this if applicable and explain to him or her that driving is a privilege and a reward, not a right. A big benefit to getting good grades is that your teen can qualify for a “good student discount,” which can help you to save quite a bit on auto insurance. The stipulations vary from provider to provider and from state to state, but typically, drivers between the ages of 16 to 25 who are enrolled full time at a high school, college, or university, and who maintain at least a B grade point average can receive discounts on their policies.

Getting your young driver some formal education can also help to lower that hefty insurance premium. Young drivers who enroll in approved driver education courses and/or defensive driving classes can often receive additional discounts on their car insurance rates. Likewise, the longer they go without being involved in an accident or a ticketable offense, the more their insurance rates will decrease, making such courses a real investment in the future. Not only will it lower your insurance rates significantly, but it can also help to keep your teen driver and the others on the road so much safer.

As a final word of advice, make sure that your teen driver is fully knowledgeable about the rules and restrictions of his or her license. Many states will impose restrictions about the hours during which the driver can operate the motor vehicle and/or about how many passengers he or she may carry and of what age. These restrictions typically occur for a set amount of time during the provisional or restricted period of the license. If your teen driver violates these rules, he or she can face a loss of driving privilege and, of course, even higher insurance rates. It’s up to you, as a parent, to enforce these rules and to avoid the consequences of not following them. Any disobedience, unsafe driving, or irresponsible behavior should always result in a loss, even if it’s only temporary, of driving privileges. When it comes down to it, driving is an earned responsibility, and you should not spend your money on teens who aren’t ready to take it seriously.

How Much Can Age Affect Auto Insurance Rates?

Almost everyone knows that the age of a particular driver can affect how much he or she pays for automobile insurance. What many people don’t realize, however, is just how much age affects premium rates. A driver can be affected by age so very much that policies become almost unaffordable. As such, it’s important for you to know, especially if you’re a young driver or have a young driver on your policy, what is fair and just in the automobile industry as it relates to age and what you can do to lower your car insurance premium no matter what your age may be.

In most states in the United States, drivers generally begin driving around the age of fifteen. Typically, they get their learner’s permits around this age and then progress to a provisional license of some sort and then, finally, a real driver’s license. During this period of becoming a new driver, you can expect insurance rates to be extremely high, even with a perfect driving record. If a teen driver does have an accident during this phase, then rates will go up even more. Male teenage drivers are deemed more likely to be involved in an accident than female teenage drivers, so their rates tend to be higher than female’s. One thing that can help any driver, male or female, during this phase is to qualify for a good student discount. Any student who is enrolled full time at a high school or college and who maintains at least a “B” grade point average can typically qualify for a hefty discount from the automobile insurance company.

Fortunately, these exorbitant rates don’t continue for too long. Once drivers obtain five years of experience or reach the age of 21, depending upon the state in which they live, their rates automatically go down, even if accidents have occurred. Of course, if you are a young driver who has had a ton of accidents by this point, the break probably won’t help much. If, however, you have been responsible and safe, this break can take a huge financial burden off of your shoulders, so it’s definitely something to look forward to. You are also still eligible for the good student discount at this point in your life, and both of these breaks together can really add up to save you a big sum of money.

When a driver reaches the age of 25, he or she is finally considered an “adult” driver. As such, rates drop down to around the average for most other drivers. Sometimes, though, people become “adults” long before they reach the age of 25. This is when car insurance discounts geared toward those engaging in more “grown-up” activities can help. There are discounts for married individuals, no matter what their age, because married people are believed to be more responsible drivers; discounts for those who install safety features on their cars; and discounts for those who have life insurance policies or rental insurance policies through the same provider. As a young driver, anything you can do to showcase your high level of responsibility will help to decrease your premium.

If You Qualify for Low Income Housing Does That Affect Your Car Insurance Rates?

If you currently qualify for low income housing, then it is very likely that you are still struggling to make ends meet. While many low income housing programs, such as the Section 8 housing program, can provide significant discounts on rent and utilities, it can still sometimes be hard to pay for all of life’s other necessities on a lower than average income. One very expensive cost that many people, low income or not, struggle with is automobile insurance. Having automobile insurance is required in almost all states, and those who cannot afford it often have to miss out on driving. This can make it difficult for you to secure employment or to keep a job for an extended period of time and is also a huge inconvenience for those who live in areas without adequate public transportation. Oftentimes, not having access to a vehicle can make your financial situation even worse and make it impossible for you to crawl out of the difficult times you have found yourself in. Fortunately, however, many areas offer special reduced cost car insurance for those who qualify for low income housing or other types of government assistance.

Many states, such as New Jersey, have a plan in place called the Special Automobile Insurance policy. This insurance policy offers low income drivers a small amount of car insurance for a very low fee, usually around $300, each year. All drivers must be applicable for federal Medicaid with hospitalization and must be able to show proof of their current income. While this insurance will not provide coverage for collisions or theft, it does give drivers very basic medical coverage and can really come in handy in the event of an accident.

Of course, this option is not available in all or even most states. However, some other states do offer a Low Cost Automobile Insurance Program. California is one of the main states that offers this service to its qualifying residents. In order to qualify for this program, drivers have to be at least nineteen years of age, to have been driving and licensed for at least three years, to meet all “good driver” qualifications set in place by the state, to own a vehicle under $20,000, and to have an income within a certain “low” range.  Like the Special Automobile Insurance Policy, this program offers minimum amounts of coverage, but they are, quite simply better than nothing. Drivers can receive up to $10,000 in bodily injury liability for accidents in which one person is injured; up to $20,000 in bodily injury liability for accidents in which more than one person is injured; and up to $3,000 in property damage liability for each accident.

Every state, however, is different and has different policies surrounding low income drivers and their car insurance. Your best bet is to contact the insurance bureau in your area or your housing counselor and to ask what programs are in place that could possibly help you to obtain affordable insurance.

Most Popular Car Insurance Companies in Los Angeles

Residents of beautiful, sunny Los Angeles, California have a lot of different choices when it comes to choosing a car insurance provider, and more choices means more chances to save. However, most people don’t take advantage of this wide selection as they should. A lot of people simply open the phone book or do a quick online search for insurance providers and then sign up with the first company that they find. Obviously, if you really want to get a good deal on your car insurance and to be satisfied with the service that you get, this is not the way to go about it. To get the best deal, excellent customer service, efficient claims handling, and more, you need to put a lot of research and effort into selecting an automobile insurance provider.

One easy way to start the search process is by looking at the most popular car insurance providers in the city. Often times, the most popular and well known providers are so popular for a reason – because they provide affordable coverage and great protection. Of course, you shouldn’t go with a company just because it has the largest amount of customers, but this is often a tip that you should give a particular company a closer look. However, do make sure that you include a few smaller, lesser known companies in your search. Sometimes, these providers will offer you lower than average prices and excellent benefits and discounts as a way to keep up with the fierce competition in the industry.

The AAA Club of Southern California is a very common choice for car insurance in Los Angeles. Of course, in order to obtain insurance through this company, you must first be a member of AAA. Membership is available at several different levels – and at several different prices. You can become a member for as little as $49 with basic benefits or for as much as $149 with 100 miles of towing, recreational vehicle coverage, motorcycle coverage, and much more. These rates are paid once per year in addition to your insurance cost, so you’ll need to adjust your budget accordingly if you plan to use this company.

Many Los Angeles residents also choose to insure their vehicles with State Farm. State Farm is a very well established insurance company located throughout the United States, not just in California. There are several different agents in the city who are licensed to sell State Farm insurance products and who can walk you through the process of insuring your vehicle with this well trusted company. The Sean Kim Agency is a popular choice in the city and is recommended for those who are thinking of insuring their vehicles with State Farm.

Anyone looking for a great deal will want to consider Plus Auto Insurance, which is known for providing very affordable rates to Los Angeles residents. The company’s website also maintains a helpful blog that can help you to learn about driving rules in the state of California and other things you need to know to properly insure your vehicle.

Of course, these aren’t all of the choices available to you in the large and beautiful city of Los Angeles. Other popular options include Mercury Indemnity Company, New Town Insurance, and, of course, the American staples like GEICO, All State, and Progressive. The truth is that nobody can decide who the right insurance provider is for you. In the end, you’ll be the one who has to put in the work of researching a lot of different companies in your area and finding the lowest premium rate and the highest amount of protection and coverage. You can start by looking at the companies listed here as well as others local to your area, but make sure that you take your research to the next level. Try reading online customer reviews of each company, visiting each company’s website, and requesting and comparing free rate quotes from all providers you are thinking of using. When you follow all of these steps, you’ll be much more likely to get a good deal on automobile insurance and to end up satisfied with the service and coverage that you get.

Buying a New Car? Consider Getting Car Insurance Quotes First

When most people prepare to buy a new vehicle, they rarely think about what changes they can expect to see in their auto insurance. Instead, they worry about what exact make and model they want, what color car they want, and what extra features they want to spring for. However, these really aren’t the things that should be given first priority when you’re shopping for a vehicle. A car is one of the biggest investments you’ll ever make and, likewise, car insurance is something most people will pay for for at least fifty years of their lives. As such, it’s extremely important to understand how the car you own affects your car insurance rates. 

One thing that can make your insurance premium skyrocket is choosing a “specialty” model car, like a sports car or a luxury car. Vehicles such as these tend to be more likely to be stolen, to require specialty parts, and to have larger, more complex, and more likely to fall apart engines. All of these factors can contribute to a much higher insurance rate for you. This isn’t to say that you shouldn’t be able to have the car of your dreams, but you should know how purchasing a particular car will affect your insurance rates so that you can make a decision about whether or not it’s worth it to you. If you are still considering purchasing a specialty vehicle, ask prospective insurance companies to give you rate quotes based on the model of your vehicle in addition to other factors, so that there will be no surprises when it comes time to actually insure your new vehicle.
If you are unable to resist buying that specialty car, you should know that there are things that you can do to reduce your car insurance premium. If you own a car that is more likely to be stolen, for example, you can reduce your premium significantly by adding approved anti-theft devices, such as car alarms and engine kill switches, to your vehicle. Parking in safer areas overnight and throughout the day can also help, as can installing safety features, such as air bags and anti lock brake systems. Just make sure that you talk to your insurer about which discounts are available and about what exact instructions you have to follow to receive these discounts. Not all providers will offer the discounts that you need, and if you’re losing out on some big savings because of this, it might be a good idea to think about switching providers.

If you plan on purchasing a used car, then something that you’ll want to pay attention to is the vehicle’s mileage. You might not think a car’s mileage has anything at all to do with your insurance premium, but it actually does. Cars that have a lot of miles on them are much more likely to break down and/or cause an accident, and thus, usually cost more to insure. Therefore, when looking for a used car, you’ll want to avoid those with lots of miles, no matter how good of condition they may be in. If you can do this, you can qualify for low mileage discounts, which can help you to save even more money on your car insurance premium. Plus, if you don’t plan to drive your car a lot within a given policy year, you can also receive a discount for this from many insurance providers.

Obviously, purchasing a new or used car is a huge decision, and you’ll have a lot on your mind as you shop and plan to make this big purchase. Even though you already have a ton to consider, make sure you pause to think about how your decision will affect your automobile insurance rates. Even if you pay a car off all at once, you’ll still be responsible for paying on it for as long as you drive it via auto insurance. These payments can really add up over the years, so you won’t want to buy a car that you can’t realistically afford to insure. Make sure that you request very specific auto insurance rate quotes before you ever make a buying decision, so that you’ll always know what to expect.