If you are in the market for a new car, one of the things that you will have to purchase (along with the vehicle, of course), is new car insurance. What makes the best option here? How can you find the right insurance for your needs? Unfortunately, not all car insurance is the same. You will need to know a few things before you start the searching process, in order to find the best rates possible for your new vehicle.
Your Driving Record - With all auto insurance companies, your driving record is one of the most important factors in determining what rates you will receive. Do you have several speeding tickets under your belt? If so, then you can expect to pay more for your new car insurance. Do you have several accidents on your record that were deemed your fault? If so, then expect your rates to be higher than those for drivers with few or no accidents. Your driving record tells the insurance company how safe you are and helps to quantify the amount of risk you represent to the company. Safer drivers receive lower rates.
The Type of Car - Another determining factor in your new car insurance is the type of car you will be insuring. For instance, a four-door sedan will receive a lower rate than a coupe in most cases. A station wagon or SUV will often be given better rates than a sports car. The type of car is used to help determine what level of risk will be involved in insuring you. Certain types of vehicle are deemed safer and less likely to be targeted by the police, so they are awarded lower rates from most insurance companies.
Your Credit Score - Believe it or not, your credit score can also play a role in determining the rates you pay for new car insurance. If you have good credit, then you can expect lower rates. If you have bad credit, expect your rates to go higher. This is due to the perception (whether right or wrong) that lower credit scores usually reflect a lesser sense of responsibility on the part of a consumer (you). This tells the insurance company that you might be a higher risk than someone with a better credit record. It also tells them that you might default on your payments, which is not a good position for the insurance company.
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