Auto Insurance Rates - Does the Color of Your Car Matter?

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Someone at some place during some point in time started a rumor that owning a red car means you will get more speeding tickets and have higher insurance rates. The reason I have heard most often is due to red standing out more from other cars and therefore the police officers eye sees the red car and pulls it over even though other say, black cars driving near the red car are speeding as well. This reasoning seems somewhat logical, but what about for car insurance rates? Does owning a certain color of car affect your prices?

Perhaps the primary reason for the continued presence of this alleged myth is the psychology behind how a certain person chooses their car color of choice. Studies on this matter have determined a theory that people who purchase a red vehicle like to drive fast or feel as if they need to speed through everything in life. That statistic provides a direct correlation between the "more speeding tickets" portion of the myth, so maybe there really is something to this.

Not to ruin the article, but the short answer to 'Does the color of your car affect your auto insurance rates?' is no, it does not. The only time this may be possible is if the insurance agent that sees your car when you pull into their parking lot or as they take pictures of your vehicle for their records does not like the color of your car and takes it out personally on your policy. If you feel this is being done, it's probably best to move on from that company anyway, but that's another story.

Sometimes the suggestion has been made that the Vehicle Identification Number, or VIN has a certain code to notify the color of the car, but this is not the case. The VIN does not store details on car color in its code.

Car insurance companies look at several other factors though, such as the year, make and model, how big your engine is, and also your previous driving record and where you live. Where you live is usually determined by zip code. So, if your favorite color is candy apple red, go ahead and buy that car or paint your current car without worry of being pulled over more or getting robbed with high insurance rates.

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How To Compare Auto Insurance Quotes

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The growth of internet has made the comparison of insurance quotes easy. The best place to compare auto insurance quotes is through the internet. The security of the vehicle is very important for the owners. The right way to maintain the security is to buy an auto insurance plan.

There are several insurers around the world, which offers auto insurance policies to the automobile owners. All these companies have their own their coverage plans and rates.

The comparison of auto quotes helps a person to understand the rate and the suitable policies. Most of the insurance websites allow the person to compare the auto insurance quote without any charge, while some others charge small service fee. The idea of both the insurance websites are similar. It is better to choose the free quote websites for the comparison process at the initial stage.

The comparison websites compare both, auto insurance quotes and the policies. The online auto coverage quote helps a person to save both time and money. A person can avoid paying the commission to agent. Thus, with the help of an auto quote comparison, the role of an agent is unnecessary. A person gets clear idea about the plan and the rates, with the comparison of the online auto quotes.

Tips To Compare Auto Insurance Quotes:

It is essential to compare the auto coverage quotes, to ensure that a person gets the lowest auto insurance quote. Numerous quotes are available on the internet. However, people need to keep in mind, certain tips to compare auto insurance quotes.

As an initial step, a person has to fill some personal information in online registration form. The registration is important, to request free comparison chart of auto quotes. Compare auto insurance quotes for the all the desired coverage plans with different companies.

The insurance rate is only a basic factor to buy auto insurance. Evaluate the stability of the car insurer in automobile area. Most of the new insurance companies provide lower auto insurance quotes. A person has to make sure that these companies offer good customer service and holds strong financial stability.

A person has to build up the credit history before requesting an auto quote. A bad credit history creates unpleasant impression on the insurer and as a result, insurer will give high rate insurance quotes.

Stick to the current company for a longer period, to cut down the insurance quote. When a person has to buy new type of insurance policy, a long-term stay with an insurance company provides lower quotes for them. The history of traffic law violation and two accidents will lead to a higher auto insurance quote.

Conclusion:

The comparison of auto insurance quotes with the help of local agents is a time consuming process. Therefore, the best place to compare auto insurance quote is the internet. In brief, a person needs to compare auto insurance quotes online, to access an affordable auto coverage policy. For more on this topic and actually getting a quote you can always refer to the resources below.

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Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate

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Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.

1. Give them details - If you don't provide information about your zip code, marital status, car's safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.

2. Shop around - Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don't forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.

3. Raise your deductible - Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.

4. Cut the miles you drive - For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car's mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.

5. Switch drivers - For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.

6. Add an anti-theft device - By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.

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Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate

Image : http://www.flickr.com

Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.

1. Give them details - If you don't provide information about your zip code, marital status, car's safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.

2. Shop around - Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don't forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.

3. Raise your deductible - Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.

4. Cut the miles you drive - For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car's mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.

5. Switch drivers - For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.

6. Add an anti-theft device - By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.

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Affordable Car Insurance Rate For the First Timer

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If you are a newbie to the world of auto insurance, fear not! If you follow certain steps, finding an affordable car insurance rate is perfectly feasible and less troublesome than you think. First, understanding insurance lingo is only the beginning toward an affordable auto insurance rate. There are great articles and sites that will offer definitions for common terms like deductible, liability, and other words that impact your affordable car insurance rate.

Once you get a grasp on the lingo, the next step toward finding an affordable auto insurance rate is to know what coverage options are available to you, and then determine what coverages you would like. Once you have that list, you can then compare it to what you need. As you look at different quotes, you will know what you have budgeted toward your auto insurance, and you can then find the quote that gives you an affordable car insurance rate along with the most coverage for that rate.

Also, asking about discounts is a great way to create a more affordable car insurance rate. Most auto insurance companies offer discounts for things like good grades, age, and having multiple insurance policies, so you may be able to get more coverage with discounts as you get a more affordable car insurance rate through those savings.

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How to Get the Best Auto Insurance Rate Available

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Having auto insurance is a mandatory requirement for all automobiles and auto drivers in all states. The respective states governments have set out guidelines. Each state government has drafted and set their own laws to govern the insurance industry. Under these state government guidelines, the government has set a compulsory minimum rate of insurance that automobiles and automobile drivers have to have in order for them to drive a car or for the car to be used.

Naturally, insurance comes with a price, and for many this price is not cheap. Luckily all insurers are not the same and therefore they do not charge the same rate. On this basis anybody looking for the cheapest auto insurance rate should know that, irrespective that the average rate of auto insurance is relatively high there are some auto insurers offering some very good rates and discounts.

The first thing you can do is to seek the advice or services of a professional in the industry on how to get the best rate. An industry professional, is the best placed person to give you the most relevant and up to date information about the auto insurance industry. The main advantage of using an industry professional as a source of information is that the professional will save you the time and money it would have taken you to get the information yourself through personal research, and personal research does not guarantee you that you will get all the information the auto insurance professional will have.

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How to Get the Best Auto Insurance Rate Available

Image : http://www.flickr.com

Having auto insurance is a mandatory requirement for all automobiles and auto drivers in all states. The respective states governments have set out guidelines. Each state government has drafted and set their own laws to govern the insurance industry. Under these state government guidelines, the government has set a compulsory minimum rate of insurance that automobiles and automobile drivers have to have in order for them to drive a car or for the car to be used.

Naturally, insurance comes with a price, and for many this price is not cheap. Luckily all insurers are not the same and therefore they do not charge the same rate. On this basis anybody looking for the cheapest auto insurance rate should know that, irrespective that the average rate of auto insurance is relatively high there are some auto insurers offering some very good rates and discounts.

The first thing you can do is to seek the advice or services of a professional in the industry on how to get the best rate. An industry professional, is the best placed person to give you the most relevant and up to date information about the auto insurance industry. The main advantage of using an industry professional as a source of information is that the professional will save you the time and money it would have taken you to get the information yourself through personal research, and personal research does not guarantee you that you will get all the information the auto insurance professional will have.

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