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How Safe Cars Can Lead to More Affordable Auto Insurance

April 28, 2016

How Safety and Your Auto Insurance Go Together

Car insurance is something that is required if you plan on driving a car in the United States. Unfortunately, car insurance isn’t exactly cheap for many vehicles. There are a number of factors that can help you get more affordable auto insurance. After a little bit of research and talking with the pros, we’ve come up with a few of the top ways to reduce the cost of your auto insurance.

Buy a Safe Car and Save

If you are thinking about purchasing a new car, a little bit of planning and research could help you get a lower price on your car insurance premium. The better the vehicle’s safety rating, the more affordable your monthly premium will be. Insurance companies love a safe car as they are a lower risk than less safe cars. In terms of insurance, the lower the risk, the lower the cost to insure and then those savings are passed along to you, the customer. We recommend using the Insurance Institute for Highway Safety’s Vehicle Safety ratings tool when determining the safety rating of a car.

What If I Drive Something Sportier?

Perhaps you aren’t exactly a family sedan kind of person and you’d rather drive a red sports coupe. That’s fine with us, but your insurance company probably won’t like it quite as much. In fact, you can expect most coupes to cost more to insure than most sedans. There are a number of factors in play here, but what do you do if you have a preference for a vehicle that car insurance companies deem a higher risk? If you want lower rates, you could take matters into your own hands. Here are a few other things you can do to get lower insurance rates:

  • Install an anti-theft device such as a car alarm or ignition collar
  • Take defensive driving courses (many insurance companies offer a discount if you provide proof that you’ve taken a course)
  • Compare auto insurance for the best deals on insurance. Different agencies use different criteria for determining the price of premiums. (You can get multiple quotes from top quality agencies right now by putting your zip code into the box at the bottom right of your screen).

Learn More About Auto Insurance

When it comes to auto insurance, there are a lot of variables, a lot of unfamiliar terms, and a whole lot of peculiarities – particularly when you consider that each state has its own insurance market. Our Auto Insurance Explainers can help sort it out for you, and make more educated decisions about your car insurance.

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