| OK, let me put it on the table: I hate
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| | Your Car
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| insurance companies. I hate them like
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| | If you drive a car that car thieves like
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| some people hate the government. But the
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| | to steal, your insurance carrier is going
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| sad fact is, auto insurance is something
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| | to charge you more for insurance.
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| that we all need -- and, in most cases,
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| | Similarly, if you own a car that is
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| are required by law to have.
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| | expensive to repair, you'll pay more for
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| But while having car insurance is usually
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| | insurance, too.
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| not an option, how much you pay for it
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| | Bought a brand-new car? You'll probably
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| is. Here are the 4 greatest factors that
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| | pay more. But you can reduce your rates
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| can influence how much -- or how little
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| | if your car has certain safety features
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| -- you pay for auto insurance. You
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| | like daytime running lights, anti-lock
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| Sadly, you can't do too much about your
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| | brakes, airbags and automatic safety
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| own personal demographics. Car insurance
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| | belts. And if you live in an urban area,
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| actuaries (the bean counters who pore
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| | you might want to consider anti-theft
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| over the statistics) "know" that a male
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| | devices like a steering wheel lock, and
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| that under the age of 25 is involved in
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| | or a car alarms.
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| more accidents than than a female driver
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| | Your Neighborhood
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| of the same age.
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| | And speaking of the big city, you will
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| So if you're a young man, you'll pay
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| | find your car insurance rates will be
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| more. Sorry about that.
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| | much higher than if you live in the
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| Want to pay less? Get married -- you'll
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| | suburbs or out in the country. This is
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| often see a reduction in your insurance
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| | mostly due to the fact that increased
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| rates. Why? Because the mass of married
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| | traffic will lead to increased accidents.
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| males are involved in fewer accidents
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| | And theft is always a reality as well.
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| than the mass of unmarried males of the
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| | Your Policy
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| same age. It is what it is.
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| | The kind of policy you choose, or more
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| Another way to save money is to take an
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| | specifically the coverages you elect,
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| approved driver's training, or driver's
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| | will also effect the cost of your auto
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| safety, course. That can often result in
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| | insurance payments.
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| a modest discount. Ask your agent for
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| | So seriously consider increasing your
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| details.
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| | deductible, especially if you drive an
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| Of course, your driving record has more
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| | older car. It all depends on how much
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| to do with your rates than almost
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| | your older car is worth. If the value of
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| anything else. If you have any points on
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| | your car is low, Why pay a high premium
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| your record, or a past accident (or two)
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| | every month to insure against a collision
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| within the last three years, your rates
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| | that you may not want to repair? Also
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| will be higher. And if you are not
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| | consider dumping some of the other
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| careful, eventually you can have your
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| | coverages you may never use, like medical
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| policy canceled.
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| | (if you have other medical insurance) or
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| Lastly, how much you drive each week can
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| | roadside assistance (if your credit card
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| affect your rates. So see if you can
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| | already gives you coverage).
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| carpool or take mass transit to and from
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| | Conclusion
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| work, at least some of the time. Hey,
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| | There you have it -- a few factors that
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| listen -- you'll also save money on gas
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| | can have a great impact on how much (or
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| as well as wear and tear on your car. Not
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| | how little) you pay for insurance. Check
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| to mention doing your part for the
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| | it out and save.
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| environment. How good is that?
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