When you are deciding on a new vehicle for your family, you often start with the decision on purchasing one that is new or used. The decision will also require you to consider your family size, the amount of time you will be in the vehicle, and your financial budget. One of the other deciding factors, however, should be how it affects your car insurance quote. There are a few other things to add to your checklist.
Vehicle Weight
While heavier vehicles are often more expensive to repair and maintain, they are usually cheaper to insure. Lightweight cars tend to be driven more and because they are more fuel-efficient. The more a vehicle is driven, the more likely it is to be involved in an accident. More damage can occur when it is hit as well. This means it will cost your insurance more money.
Hybrid or Standard
Many discounts are available that will lower your car insurance quote, and one of those is if your vehicle is considered to be "green." The push to protect the Ozone has led to the production of biofuel and hybrid vehicles. These vehicles go longer between tanks, but they also come with tax breaks. Some car insurance companies will offer discounts for purchasing vehicles that are better for the environment.
Safety Features Available
Vehicles that have safety features installed on the car will help lower the car insurance. This is because the company's auto insurance rates are related to the likelihood of them having to pay out in case of an accident. Vehicles that have automatic seat belts, auto locks, and theft deterrent systems are likely to have lower car insurance quotes offered. Some insurance carriers will even offer lower insurance for those who have remote starts because they are less likely to leave the car running with the keys in the ignition.
Car Value
When you are deciding between new and used vehicles, it is important to realize that most new cars will have a greater car insurance quote. However, antiques might also be higher because they have a high value, especially if it has been registered as an antique. Used cars may not have as many safety features, but they can be installed aftermarket. The vehicle you buy should offer your family the comfort you demand. However, it is also important to consider car insurance rates. When you are looking for the best car insurance quotes, you want to qualify for as many discount options as possible. The type of vehicle you select is only one aspect to the quote you will be given. You will also want to consider the number of miles you plan to put on the vehicle annually, and the drivers of the vehicle.
