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What Makes A Car Cheaper to Insurance?

Car insurance companies do look at the kind of car you drive. As you might imagine, some cars are cheaper to repair, tend to have few accidents, and get repaired faster. All of these factors will impact an insurance company s bottom line, and of course, your premium bill. Here are some factors that car insurance companies look at when they decide how to price insurance for a specific model of auto.

The design of the car impacts rates, because auto insurance companies want to know how expensive that potential repair bill will be. Car repair bills rise because of intensive labor, or needing more skilled repairmen. Also, if more parts need to be replaced, then the bill will be more expensive.

Technology that makes your car safer, and helps you avoid accidents, will also have a favorable outcome on your final insurance premium. Anti-lock brakes or other accident avoidance technology will be a good investment. Other technology that protects your car (more...)

It s important to realise that there are more things to be taken into consideration when you have an accident than who was at fault. The insurance company will be looking out for other factors that may have contributed to the accident - bald tyres for example, or worn down brakes. And it won t be just your car they ll be looking at - they ll need to be sure that you are roadworthy too - specifically when it comes to your eyesight.

Many people explain away an accident by saying “the other vehicle just appeared, I didn t see it” - but what if that was a result of your bad eyesight rather than the other driver being at fault?

It s our responsibility to look after our eyes and visit the optician regularly to make sure that we are wearing the right glasses if they are needed. If you do need to wear glasses or contact lenses then you must wear them while you are driving, and if you feel that your eyesight is getting worse, you must arrange to see the optician again.

I had an enc (more...)