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Purchasing Car Insurance Autos Articles | January 20 cheap air max 90 shoes , 2011
Car insurance is mandated by the government for all motorists. Just how much, what type and who to purchase it from is another story. There are many variables, which will have an impact on the pol...

Car insurance is mandated by the government for all motorists. Just how much, what type and who to purchase it from is another story. There are many variables cheap air max 90 , which will have an impact on the policies needed and how much each will cost. Here are some things to think about.

What is required by law? The law requires that every motorist have enough coverage to protect others on the road. Liability coverage?s are mandated so that if a driver is liable for an accident, the insurance company will step in to cover costs. This can include damage to another?s vehicle, property damage and more. Before a person gets behind the wheel, they need to be covered for liability.

Premiums due: A person can choose to pay insurance premiums monthly cheap nike air max 90 nz , semi-annually or annually. They may arrange to send a check each month or have the amount deducted from their checking or savings account or even their credit card. There are usually service fees for monthly payers, as it entails more paperwork and bookkeeping for the insurance company. Annual premium payments are usually the least expensive when yearly fees are added up. It is also quite possible that a discount will be given to those who sign up for automatic deductions.

Region of the country: Depending on where a motorist resides, the costs will vary substantially. High traffic urban areas will often have the highest premiums, as there is more risk of collision. Insurers will study the accident and traffic patterns of regions before assigning costs. Towns and cities that have inclement weather such as those in icy cheap nike air max 90 trainers , snowy locales may have increased costs, as well. This is due to the increased probabilities of fender benders and vehicles sliding off the road.

Ages of the driver: Young inexperienced policyholders as well as those who are elderly may have increased costs. This is because of lack of experience; immaturity or declining perceptive abilities that may hamper proficiency.

Motor vehicle record: The saying goes ?past performance is the best indicator of future performance.? This is true with driving as with other items. If a person has a DMV record littered with accidents, traffic tickets and more, they are a high risk individual. It will cost more to find a policy to cover them and for good reason. Many insurers will simply say ?no thanks.?

Quality of the insuring company: There are wide varieties of insurers out there and a consumer would be wise to check into the reputations of each before signing on the dotted line. A low cost policy will mean nothing if the companies do not pay up as promised. Insurers are ranked according to their quality. This information cheap nike air max 90 white , which is often ranked by letter grade, is available online. A stellar company with a good track record is a must.

Car insurance protects both the driver and all other individuals on the road. It is a wise motorist who does his or her homework and gets the best protection for the money.


Do you consider the cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars cheap nike air max 90 black , how many doors they have, and even break them down type.

The Highway Loss Data Institute is a nonprofit public service organization. It is closely associated with and funded through the Insurance Institute for Highway Safety, which is wholly supported by auto insurers. HLDI gathers, processes cheap nike air max 90 mens , and publishes data on the ways losses vary among different kinds of vehicles. >
4- Door cars have a 93% less chance of having a claim related to theft than their sibling 2-Door cars. Buy a Buick LeSabre and have relatively no chance of a theft loss. Compare that to the convertible Chevrolet Corvette that has over 5 times the average theft rate. You may have known that. However, did you know that the Toyota Celica has a 67% higher chance of theft than the Toyota Camry?

In addition, even though the 2002 Lexus IS 300 gets a "best pick" rating from the Insurance Institute for Highway Safety for its performance on crash tests, previous years' models of the same car are some of the most costly in terms of collision claims. "One of the factors that come into play there is the cost of repairing an expensive vehicle cheap nike air max 90 womens ," says Russ Rader, with the Insurance Institute for Highway Safety.

What about safety? You may be surprised at some of the results. For example, the Porsche 911 has a 67% less chance for injury claims than the norm. Go figure. The Mitsubishi Lancer has almost double the injury claim rate over the norm.

Where does you car fit for injury theft and collision? What about your dream car? Take a look at this run down based on 2000-2002 HLDI data:

Models that are among the most expensive for theft claims include:

Cadillac Escalade four-wheel drive

Chevrolet Corvette Convertible

Lincoln Navigator four-wheel drive

Jeep Cherokee four-door

BMW 3 series Convertible

Models that are among the least expensive for theft claims include:

Buick LeSabre

Buick Park Avenue

Volvo V70 Station Wagon

Mercury Grand Marquis four-door

Models that are among the most expensive for injury claims include:

Suzuki Esteem four-door

Kia Rio four-door

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