5 sure-fire ways to increase car insurance premiums

And what can be done

Nobody wants to pay higher insurance premiums for a car. Although auto insurance is a fact of life car-owners who wish to remain legal, Auto Car Finance not the highest auto insurance premiums.

Those who seek to lower their car insurance could be helped by understanding the following five ways to ensure a spike in auto insurance costs. Some of these conditions may be unavoidable. In these cases, try the suggestions to keep premiums as low as possible for every situation.
1. Buy a super-charged sports car.

Sports car years topped the list for the cars more expensive to provide. Insurance companies assume that if you have a car built for speed Now if you drive fast. They base their premiums on more than theory - among others, the frequency of claims were examined.

There would be a safe driver with a clean criminal record, but if the wrong type of car you choose insurance premiums will be higher. Maybe not as tall as your neighbor who buys a sports car and has a few moving violations on his record, but you pay more than it would if you bought a car in lower risk categories.

What makes a car more expensive to provide? It depends on many things, including the sensitivity of car theft and the cost of repairs. Sports cars, luxury cars and easily convertible into categories of higher risk. Type Family with safety devices that are less expensive to repair a lower risk Auto Car Finance, so that the premium will be lower.

Those in the market for a new vehicle usually do much research on their priorities, but few remember the cost of insurance in their budget estimates. Before buying, compare the contributions of different vehicles on your wish list, with the help of your insurance agent.
2. Buying a new car.

Those who beater driven by an old college and the early years of their career can be a shock when you finally reach the day when they can afford a new one - or buy the latest - the vehicle. Current models cost more to ensure that older drivers. According to Insurance Auto Car Finance, the average cost of an insurance model for the current year (2009) hovers around $ 1000 a year for a Honda Civic.

In addition, people who drive old beaters tend to choose a political responsibility alone. A car bought with a loan will always require thorough coverage of collision. How do you carry around respectable, without the trauma of having to pay more coverage? Choose a new car, but not brand new.

Comprehensive and collision coverage is a good idea for newer cars, but the price of coverage will pay more if the machine is not the party. Another option is to pay cash for a slightly older car in great condition and choose a single comprehensive coverage. Advanced will not be an accident, but covers many other episodes Auto Car Finance, such as animal damage (collision with a deer), acts of nature (hail), and theft.
3. Units to surrender.

Go ahead, let your hair down and put the pedal to the metal. Whisk in and out of lanes to give blue-haired ladies in their Sunday drives. Ignoring traffic signals and road signs, and by all means park where you want.

Once you've collected several tickets for moving violations, Duis, or there is an incident of misconduct, we can look forward to that special category of insurance agents term SR-22. For the privilege of special, you will pay a coin on premiums. Some companies do not even want to touch your application.

What can be done to put an end to this particular category (apart from the obvious advice to take a safe driving)? Allow some time to kill, and each country has different needs, but generally you should wait 3-5 years on your SR-22 status to escape. In the meantime, take a course in safe driving.

If no one has been sent by a judge, you can earn a discount on premiums by the insurance company. When a company that, despite your past infected, stay with them. You can earn extra loyalty discount after a period of time.
4. Forget your bills or to renew the policy.

Insurers look at your credit score, but also contact your insurance score. Your score shows how loyal the insurance you have paid the premium on time and without renewing your policy lapse. How to skip a mortgage payment could affect your credit score, forget to renew the policy can harm your insurance score.

Those who have difficulty keeping pace with the financial information would consider automatic payments with an electronic fund transfer (EFT). Once set, you must not think to pay the premium. Like other bills, the bank automatically sends the payment to the date of presets.

Insurers charge a fee for managing the payments by mail, five dollars for each monthly payment. They may also EFTS cost, but the fee will be much less, usually about $ 1 for the monthly payment Auto Car Finance, and sometimes for free. Free is much better than $ 60 a year just to make payments. Or, if you can afford to pay the premium of a fixed amount annually.
5. I am a teenager.

Not your fault, the child turned 16. These things happen. But if the magic that comes your birthday, your car sends a message that insurance premiums rise.

Your premiums may be higher than boys teen teen girls, as history teaches kids (in general) do not have a good record of safety car in age between 16 and 25. But the teenage girls get a bad reputation for the use of mobile phones while driving.

As low premiums, not previously possible, you can continue to drive if they can reduce the teen gets a driver education course. Some companies offer discounts for good grades from your student. If You Go Away to college kids can get a discount for a student from a distance - if not one of your cars run. Auto Car Finance
Your problems

Perhaps you have been able to concern car insurance in the past to ignore, and drive what and how you want. With the recent economic downturn Auto Car Finance, few can afford anything related to personal finances, to ignore.

If you could change one of the above we can see the difference, changing more than one and saving can make a difference in cash flow a more free, more investments, or pay debts. Ask your insurance agent for more information about your car insurance.