How to Get Cheap Car Insurance for a New Car

As you go car hunting, it's important to think about finding cheap car insurance for your new car. After all, you don't want to buy the auto of your dreams only to find out you can't afford to insure it!


The Car You Buy Makes a Big Difference

Some cars are just more expensive to buy than others. Autos with high horsepower have higher insurance rates, as do autos that cost a lot or are expensive to repair. In addition, cars that are attractive to thieves also have higher insurance rates. So for the cheapest car insurance, focus on family-style sedans for your new vehicle.


Get Several Quotes

Insurance costs vary dramatically from company to company, so it pays to spend a little time to get several quotes you can compare. If you're trying to decide between a couple different cars, you can even run quotes for both of them to see which car will be cheapest to insure.

Fortunately, it doesn't take too long to get quotes for auto insurance. You can go to an insurance comparison website to receive quotes from multiple A-rated companies. All you have to do is type in your insurance information on a simple online form to get your quotes.

On the best comparison sites, you can even talk with insurance experts online or by phone if you have any questions about your car insurance (see link below).


Keep Your Deductibles High

Since you're buying a new car, you'll want to make sure to purchase comprehensive and collision insurance. This coverage pays to repair your car if it's damaged in an accident or by something else such as hail.

Comp and collision coverage can be expensive, but you can lower your costs by setting the deductible high. The deductible is the amount you pay toward a repair before the insurance company will pay. You want to set the deductible as high as you can afford, in order to get a lower annual premium.

To give you an idea of how much you can save, raising your deductible from $500 to $1,000 can save you up to 50% on your yearly premium. Also, raising your deductible will stop you from making too many small claims which can cause your insurer to cancel your policy.


Ask for Discounts

Insurers offer all kinds of policy discounts - low mileage discounts, safety and security discounts, senior discounts, multiple policy discounts - and a host of others. Be sure to ask for all the discounts you're eligible for.


Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance quotes for a new car from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.


The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting cheap car insurance for a new car.