What is the first thing most of us look at when we buy a new car? The price, which is then normally followed by the vehicle’s specs. We don’t normally consider auto insurance rates until after the fact, which in many cases proves costly. Information from polls shows that the number one cheapest vehicle to insure is Saturn’s Outlook, due to its fantastic safety ratings. Obviously the numbers will vary from state to state and company to company, but overall this is a good choice for insurance reasons.
Generally speaking, the safety ratings of a car have a huge impact on the insurance quotes you’ll get, but there are other factors that make a difference as well, such as what type of car it is and the demographics for the car itself. Each state has different auto insurance laws, which inevitably affect how much you’ll be paying per month. Some states will require you to have more coverage than others, which can leave you scratching your head wondering where all your money went at the end of the month. There are some things one can do to lessen the pain suffered by auto insurance companies though with the use of discounts. Anything from good student discounts, to a defensive driving class, to even paying all six or twelve months up front can save you some money in the long run. Nowadays insurance companies are also offering incentives for switching from someone else’s services to theirs, allowing another easy discount in some cases.