Although there are a number of factors that contribute to the premium rates from your insurer of cars, traditionally believed to be the most important are the make, model and year of your car, but according to a recent study, this may not be true.
The report looked at more expensive cars covered by insurance, and cars whose coverage is less expensive. While the make, model and year of car are essential factors, driver age also plays a role in terms of percentages given by insurance companies.
Let's talk for example of the Mitsubishi Lancer, one of the most expensive cars to insure, the Scion Tc, the Hyundai Tiburon or Tuscani Hyundai and Subaru Impreza WRX, which are some of the vehicles included in the list of high rates of insurance premium . These cars tend to be bought and driven by youth.
At the top of the list of cars more expensive for insurers is the Cadillac Escalade EXT and is usually a good target for crime. In the bottom of the list are five cars like the Buick Rendezvous and the Honda Odyssey, which are cars driven by young people. According to the report, older drivers tend to be more responsible and prudent young drivers.
Consider that even if you have a car not expensive to insure, the insurer will charge more if the insurance is for a young person to someone older. Of course, if you're young you can save a little if you buy a car that is not among the top of the list.
Insurance for young drivers
Even if you are rich and have an independent business, allow your child to touch the steering wheel can be an expensive proposition with your insurer. While we can not change that, we offer some suggestions to help minimize the impact of this phase.
The report looked at more expensive cars covered by insurance, and cars whose coverage is less expensive. While the make, model and year of car are essential factors, driver age also plays a role in terms of percentages given by insurance companies.
Let's talk for example of the Mitsubishi Lancer, one of the most expensive cars to insure, the Scion Tc, the Hyundai Tiburon or Tuscani Hyundai and Subaru Impreza WRX, which are some of the vehicles included in the list of high rates of insurance premium . These cars tend to be bought and driven by youth.
At the top of the list of cars more expensive for insurers is the Cadillac Escalade EXT and is usually a good target for crime. In the bottom of the list are five cars like the Buick Rendezvous and the Honda Odyssey, which are cars driven by young people. According to the report, older drivers tend to be more responsible and prudent young drivers.
Consider that even if you have a car not expensive to insure, the insurer will charge more if the insurance is for a young person to someone older. Of course, if you're young you can save a little if you buy a car that is not among the top of the list.
Insurance for young drivers
Even if you are rich and have an independent business, allow your child to touch the steering wheel can be an expensive proposition with your insurer. While we can not change that, we offer some suggestions to help minimize the impact of this phase.
- Buy a car with four doors. The young like to present fresh and resilient, but teens should not be allowing any car of this type until they come of age.
- Make sure your car has a good safety rating. This is important beyond to help you save some money in payments to your auto insurer.
- Set firm rules about the use of the car. Let your children know clearly what the rules regarding the use of cell phones in the car, the radio volume and how many friends are allowed in the car.
- Your children should be added to your auto insurance. This is not something to save money on paying your premiums, but that your child is protected in case of an accident. The last thing we want is to file a claim if your child has an accident and the adjuster can not serve you because you are not added to your auto insurance .
No comments:
Post a Comment