Is It Cheaper to Insure a New Car or a Used Car

There are several ways to get inexpensive car insurance for your car. Perhaps you wish to change auto insurance companies in order
to acquire cheap auto insurance for your car. Or, perhaps you want to make some safety changes to your own car in order to get
cheap car insurance for your car. Whatever you want to do, odds are you will spend time looking for the auto insurance carrier
that will provide you the cheapest automobile insurance quote for your vehicle.

However, the problem can change when you're buying a new vehicle. You may or may not already have an auto insurance policy. You
may or may not want to maintain that automobile insurance plan. Whatever the scenario, part of the purchasing procedure whenever
you're in the market for a new car is to make sure to have an car insurance policy before you drive it off the lot.

Instead of frantically searching for an car insurance carrier that will provide you cheap automobile insurance to your new
vehicle, make the most of a few of the newest attributes some car many have integrated in their customers' car-shopping
experience. These car lots have set up computers with Internet access to allow their clients to seek out cheap auto insurance
policies for their new cars!

Not only is this incredibly convenient for customers; this is also a wise financial move for auto dealerships. Many times a car
salesman has a sale only within reach and loses it because the client needs to figure out his or her auto insurance scenario
first. With this brand new addition to the car buying experience, customers can shop for inexpensive automobile insurance policies
for their brand new cars right inside the car dealership!

If you've got the opportunity to use this auto insurance shopping feature, ensure you compare as many cheap automobile insurance
policies as you can. Do not rush just because your new car is waiting for you.
Watch your insurance rates increase perhaps up to a 96% as soon as your teen graduates the driver training program and gets behind
the wheel of your automobile. Yikes! Why?

A spokesman for the Property Casualty Insurers Association of America, Joe Annotti says about adolescent drivers"The first month,
they're fine, then they think they know everything about driving and safety... (and) pretty soon they are flying 60 miles down a
back street to get to college."

The statistics are not good for crashes and it's still the #1 killer of children 15 to 20, and adolescents under 25 are 3 times
more apt to die in an auto accident.

Of course the automobile insurance rates jump 50% to 200% the very minute you put in your teen driver to your insurance policy.
The car insurance companies are simply not willing to deal with that risk with out your financial assistance.

There are a couple things you may wish to think about to perhaps reduce the amount your rates will climb before your teen driver
takes the wheel.

1. Find out how your insurance company assigns drivers to automobiles. This differs from insurer to insurer and may make a huge
difference from the premium that you pay. You may want to consider picking up a more affordable car for your teenager to drive,
like an old beater that sits in the driveway the majority of the time. Sometimes this can be less costly compared to double or
triple insurance premiums on your luxury or new car your teenager will drive. Or if you've got an older car as well as the new car
in the family, see if your auto insurance provider will allow you to assign the teen to the old car, thus reducing your costs.
Otherwise, you might want to switch insurance companies.

2. A straight-A student in many instances may not induce greater than the C student, but there are lots of insurers that offer a
10% to 25% reduction to teens who maintain a B average or better. Why? These kids are looked at as better future risks. "long
term, they want the A pupil for a customer," Joe Annotti said. Better pupils are viewed as"more responsible."

3. Have your teen take Drivers Education vs the short-term courses. Short-term courses aren't helpful in reducing future injuries,
according to research released by the American Journal of Preventive Medicine, however, the car insurance companies will reduce
your prices 5% to 15%. Go figure.

4. Raising your deductible should reduce your premium by roughly 35%. Ron Lovatt of the Automobile Club of Southern California
fostered his obligations from $500 to $2,000 when his daughters began driving. It only makes good financial sense to increase the
deductible to lower the on-going premiums. It might be the smart idea regardless of adolescent drivers.

5. If your adolescent enters college and won't have an automobile available to them, take them off your coverage. However, know
your teen won't drive during this time, ever, regardless of who's car. Should they push uninsured and lead to an accident you may
be sued.

6. Do not report the fender-benders for your insurance company. If you do report it they will surely increase your premium. More
than likely it's going to be cheaper to cover the minor repairs or perhaps think about having your teen pay. Ouch!

It should come as no surprise that locating low prices & superior auto insurance coverage includes understanding something about
what the other businesses are offering and at what cost. The savvy shopper will discover the very best rates to meet their needs.

Is It Cheaper to Insure a New Car or a Used Car

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