Consider Insurance Rates When Buying a Car
Far too many people are more concerned about a car’s appearance than they are about safety issues, and they often make purchasing decisions based on superficial factors rather than practical criteria. While being concerned about the way a car looks and what kind of extra features it offers may seem important for the moment – especially if you are the victim of a high-powered sales pitch that puts you in the seat, imagining how you look to your friends and family cruising along in your slick new ride – there are other important components to seriously consider, as well. Mileage, efficiency, safety features, and anti-theft mechanisms are also worthy of factoring into any purchasing decision you are about to make, as all of them affect your car insurance rates.
Safety is a key component if you want lower car insurance rates. The safer your car is, the less likely you will be seriously injured or killed in a car accident. Insurance companies like that because they determine risk in terms of whether or not you are likely to submit a claim. The less risky you are as a driver, the less your car insurance rates are likely to be. Cars with advanced seat-belt mechanisms, head restraints, antilock brakes and a variety of other components that give the vehicle a higher safety rating are a better bet than sporty, fast cars that are designed to suggest risk, such as the classic red Porsche.
While it is true that you will not automatically pay higher car insurance rates just because you bought a red car, you are probably going to be more likely to pay less in car insurance rates if you buy a car that has a GPS device installed. A satellite tracking device protects your car from theft, since anyone who steals it can usually be easily tracked down, arrested, and the vehicle recovered. Moreover, many GPS devices have advanced communication features. This means that you can contact authorities quickly if you are involved in an accident, even in a remote area that doesn’t have cell phone coverage. Again, the communication feature suggests less of a risk because you are less likely to be stranded on a remote road in the middle of nowhere, for instance. Insurance companies in recent years have assessed the risk factor for cars that have GPS, and have been consistently reducing car insurance rates for drivers who have these kinds of devices installed.
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