New auto insurance costs

There's more to think that any MSRP, financial arrangements and strategies dickering when considering the costs to buy a new car.
Factor in the cost of auto insurance, too.
Consider the following factors when you decide which model to buy and get quotes for insurance car online once you reduced to the bottom of your choice - you may be surprised how auto insurance rates can vary between models and among automobile insurance companies.
Some initial time getting car insurance quotes from spending before you decide on a car model can help you avoid the shock of the sticker on your car insurance rates.
1 Security features
Characteristics of safety cars are designed for two main reasons - to help you avoid credit dans an accident and to help you avoid a collision with the least injuries. The larger, heavier cars tend to be safer than small cars due to simple laws of physics.
"Small cars have twice more occupying deaths each year as large cars," said Loretta Worters, vice President of the insurance information Institute. "In accidents involving vehicles small and large, heavy vehicles drive lighter ones to the rear, reducing the forces within the heavier car and increasing their in the lighter car."
But while there is a difference in safety between the small and medium-sized cars, the benefits of size and weight decrease after a certain point, said Russ Rader, spokesman for the Insurance Institute for Highway Safety.
Check the Insurance Institute for highway safety ratings. In the same car class safety ratings can vary greatly.
Security features that protect you include:
structural design good vehicle, which maintains the damage from the compartment car restraint systems, including safety belts and bags in airbag electronic stability control systems, which prevent transfers - now standard in all new SUVs
New features include lane-departure warning systems and the blind spot detection systems. Make sure that your auto insurance company has all the features of your new vehicle security so that you can get discounts for them.
2 Other design features
Cars designed for going fast typically have mortality rates higher than the average. Combining a car of high performance with a young driver is a dangerous mixture of the Insurance Information Institute, says, not to mention an expensive from the point of view of automobile insurance premiums.
3. The cost of repairs and replacement
Luxury cars are expensive ensure that you have to pay much to repair and replace. And if you drive a large vehicle, such as a Hummer, auto insurers also take into account the other guy car repair costs in the event that you cause an accident.
Although security seen improved, more recent, more compact models and electronic stability control systems, they can be more expensive ensure due to the damage they inflict on other cars said Worters.
4 Appeal of flight
Your auto insurance company also is similar to how likely your car is stealing. Thieves tend to go after such flashy, powerful cars as luxury SUVs and light trucks. Check the latest data the Highway loss data Institute online to see what cars have ratings of best and the worst loss theft.
In most States, you must show dealers proof of car insurance before you drive a new car off the lot. Your existing car insurance will be generally cover your new car temporarily if you already own a car, but policies vary from insurer to insurer. Your car insurance company may require that you notify it of the change within 30 days or less. As you compare different quotes car insurance, check with your current insurer on the rules for covering a newly purchased vehicle.
If this is your first car, you must purchase a car insurance before the dealer delivers the key.
Barbara Marquand is a writer with more than twenty years of experience in newspapers, magazines and Web sites of the statement. She writes frequently on insurance and other matters of the company.
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