How to Find Affordable Auto Insurance
It seems crazy, but all of us, at one time or another, will fall in love with a car. It may be the color, the make, or the model, or maybe the car just reminds you of your lost youth. Whatever the reason, falling in love with a car can have some serious consequences if you fall in love with one that your auto insurance company doesn’t like.
Even the most inexpensive of auto insurance companies in Wading-River, NY have issues with certain cars: fast cars, cars that are apt to be stolen, and cars that are expensive to fix or replace. So, much like falling in love with a mate, it is important that the car you fall in love with is appropriate for you and your lifestyle.
Finding affordable auto insurance is not always easy, and can sometimes take quite a lot of work, especially if you have a car that auto insurance companies believe to be high-risk. There are, of course, other considerations that determine whether you can find affordable auto insurance for your car.
Coverage
Most states in the United States require minimum coverage that you must have in order to drive legally. In most cases, this is the most affordable auto insurance you can buy, although if you get in an accident you might be disappointed with your coverage.
State-required minimum coverage is really only a good idea if you have an old car worth very little or if you have no assets that a potentially harmed party can come after. If you have any assets such as a savings account, equity in your car or home, stocks or other types of investments, you will want to secure a more substantial level of auto insurance.
Choosing Your Car
Not all cars are created equal. Of course some are more attractive than others, but what really matters is how attractive your car is to a thief. There are some cars that are simply irresistible to car thieves, and you might be surprised to find out what they are. Believe it or not, a 1995 Honda Civic is the most stolen car in America, followed closely by a 1991 Honda Accord, and a 1989 Toyota Camry. If you are driving a 1997 Ford F-150 truck, you are apt to wake up one morning and see your truck gone, since it is the most stolen truck in America.
These facts do not go unnoticed by insurance companies. If you looking for affordable auto insurance, make sure you steer well clear of these cars. Choose a car that is a little less popular with the unsavory types and you will find that your insurance is cheaper.
By choosing the right car and the right level of insurance, you will find that affordable auto insurance really can be found with very little effort.