Lowering auto insurance

Lowering auto insurance or even finding auto insurance can be a daunting experiance, especially if you are a first time shopper for auto insurance. There are a considerable amount of variables to be considered. I can not begin to cover all of the possible variables so I will touch on some of the biggest obstacles.

First, one must keep in mind is the make, model, year, and mileage. Some models of vehicles have a much higher rate to insure. These may include SUV's, sports cars, big rigs, and so forth. SUV's can be a higher rate due to fact that most are classified as luxury vehicle. Luxury vehicles have a higher rate of being stolen. Sports cars can have a higher rate mostly because many people who own these types of vehicles tend to drive them at excessive speeds and they also seem to be involves in many more accidents. This may be due to the speeds involved. Obviously this is not a complete list but an inkling of what insurance companies look at when considering insurance.

Second, one must keep in mind that different companies have different policies. It is vital that a person shop around. Ask questions of the prospective insurers about how they make their determination. Ask if they have any discounts for safe drivers, no tickets, and so forth.

Third, age is probably one of the largest factors insurance carriers look at. Lets face it, a teen driver or a driver in their early twenties have no real driving record yet. Yet they also have a nasty reputation for being unsafe. Although this is totally false, it happens. Again ask questions.

In summation it is vital to shop around and ask questions. It is not easy and can be somewhat time consuming. but it is well worth the effort. You may be pleasantly suprised at how low your rates can really be if you ask the right questions. I can not nor will I reccomend specific companies. This would not be ethical. So be diligent in your search.