Cheap Car Insurances

Not all car insurances are created equal. Some plans provide full coverage, other just cover liabilities in the event of an accident. Some have high deductibles and other do not. These features can determine what kind of premium you'll end up paying on your car. If you want to get the lower car insurance rate possible there are some things you can do.

Some things car insurance companies base their rates on are out of your control like age, location, and education. There are other factors that you can change in order to get a cheap rate on your insurance. For example the type of car you choose to buy can determine how high the insurance companies decide to charge you.

Insurance companies have tons of statistics about how often various cars are stolen and how much damage certain cars take when they get into an accident. The crash test statistics are available to the public and you can lookup how different cars fair in these tests. If you choose a car that has done well on crash tests you're more likely to pay less on your premiums than if you buy a car that did poorly in crash tests. More importantly though you'll be buying a safer car for you and your family.

The age of your model is also a factor that determines insurance costs. A brand new car is going to have a higher premium than a used car so if you want to keep your rates down you should consider buying a used vehicle instead of a new one.