Most people buy a car based on the way it can work for their needs. You want a car that’s reliable, safe, and fully featured. Yet, you also have to factor in the cost of auto insurance. If you do not, you may get a surprise later to learn the policy is just too expensive for you. To avoid this type of situation, consider what features can help you save on auto insurance. Do this while buying your next car. Here is where to start.
Do Some Research on the Make and Model
Most often, it is possible to get a basic estimate of the cause of car insurance by just speaking to your agent before you buy the car. You can also do some additional research to verify the typical cost of coverage for the make and model.
One key area to look at is the vehicle’s safety rating. A vehicle that is “safer” to drive is often one that is less expensive to insure. The National Highway Traffic Safety Administration provides a great deal of support for you in this way. You can use the tool on their website to look up the rating for just about any vehicle. This gives you clear information on how safe your family is in that car, too.
Choose a Vehicle with Some Tech
Here’s an easy way to get the features you want that might also reduce your overall costs. Look for the right type of technology for your new car. This may include:
- Invest in a GPS and navigation system. This can help to minimize the risk of theft.
- Choose a system with a security system installed. This helps to reduce the risk of break-ins to your vehicle. Products like OnStar can also provide you with enhanced safety to reduce your insurance costs.
- Look for those with enhanced safety features such as anti-lock brakes, crash avoidance systems and side airbags. Many cars today have these. Older vehicles may not. They help minimize the risks of injuries, as well as prevent accidents.
- Choose a car with sensors and backup technology that limits your risk of being in a collision.
Don’t forget to also choose a vehicle that’s not excessively large, fast, or heavy. These features make it more expensive to insure. The right vehicle for you should offer a combination of these features and the right style. Car insurance costs may be well within your goals if you consider these factors before buying.