What Is The Best Car Insurance Policy Price?

Reader question:

How can I get a good car insurance policy price?

Good question.

I think the best way by far for you to do this is to shop around. Don’t just stick to the big company websites which claim to give you accurate information about other companies, when they might really not. Instead, go to independent web pages and get quotes from several companies, both nationwide and local, to see which is the best for you. Often, the best thing to do is to get at least a handful of quotes and then research policies before you can be sure.

Another way to do it once you get your car insurance policy is to raise the bar on your deductible. Admittedly, for some people this is not affordable, but for many making your deductible higher gets you cheaper monthly car insurance premiums, and is usually a good idea for people who are at vey low risk for getting into an at fault accident.

Cheers,

Fashun Guadarrama.

How To Get Cheap Student Car Insurance

Reader question:

My son is now driving age and we want to get him car for his sixteenth birthday. He wants a convertible, but that’s not only out of our price range, but we know we’ll already be paying a lot for his car insurance even without such a car. How do we choose a car that he likes but that will still get us cheap car insurance rates?

Millie

There’s always a way.

Yikes! A convertible, eh? Getting a convertible is a bad idea for anyone, of any age, who wants to save money on their car insurance. I still want one, though. It’s good to see that you understand that and are willing to take the time and energy out to make a good decision on your son’s car in terms of how much the insurance costs, and it’s also nice to see that you’re very willing to take his own desires into your decision as well. Many parents eithe will just get their kid whatever car they want to get him, without considering feelings, or get the kid any car they want. People should know that there is a better, safer alternative to getting a student car with cheap driver insurance.

There are several qualities to a car that you buy for your teenager that will make it look better in the eyes of the car insurance company. You don’t have to adhere to all of them because, let’s face it, not everybody wants that one kind of car. Just because you go with most of the aspects but leave one out does not mean that you will be paying half of your annual income on student driver insurance. Here are a few factors that should go into your decision for buying your teen a good car for cheap driver insurance.

• Safety. Car insurance companies love safe cars, and there are many ways to make this happen. Having plenty of airbags is one, as well as having a lot of those modern safety features such as stability control, antilock disc brakes, and rollover sensing ability. The safety of the drivers and passengers isn’t the only thing that the car insurance company considers, either. Having theft protection installed is a great way to get cheaper rate quotes.
• Size. This is also a factor of the safety aspect. Bigger is not always better, and neither is smaler. Many parents get their kid a bigger car because they think it is safer, and many get their kid a smaller car because they think it is cheaper and more fuel efficient. However, the safest car for both its driver and everybody else on the road is a midsized vehicle.
• Car facts. Knowing about how the vehicle rates in various areas is a good way to insure that you will get a good car insurance quote. Did it do well on safety tests? Is it considered the type of car that is likely to get stolen? If it’s in good standing here, then it will also be with your car insurance company.

Cheers,

Fashun Guadarrama.