The next time you are in the market for a new vehicle, you
should take the time to consider how the vehicle you purchase might affect your
Florida car insurance rates. Here, you will find some information that can be
very useful as you are shopping and you may even be able to reduce your rates
when you purchase certain types of cars.
Costs for Different
Types of Automobiles
The first thing that you should consider when you go to the
dealership to look at automobiles is the type of vehicle you are interested in
purchasing. Nationwide, pickup trucks and SUVs cost less to insure than average
while sports cars and other luxury vehicles will cost more than average. A
family sedan, meaning a four-door car with a mid-level price, will provide you
with average insurance premiums. For example, if you are looking at two
four-door cars of the same make and model but one is marked LE for Luxury
Edition after the model name, then you can feel almost certain that the LE
edition will be more expensive to ensure.
Safety Ratings
Another thing that you should consider when you are
purchasing your next automobile is not only the worth of the automobile itself,
but also the risk involved in bodily harm. The higher the safety rating a car
has received, the more likely the driver and passengers are to be kept safe
from harm in an accident. If a car has poor safety ratings, the Florida car
insurance company is likely to see this as a liability since even a minor
accident is likely to result in injuries. However, if the vehicle has excellent
ratings, the insurance company will be less concerned about the likelihood of
injuries in an accident.
Colors and Features
Believe it or not, even the color of the vehicle you choose
can have an effect on your Florida car insurance rates. A study conducted a few
years back determined that yellow cars are much more likely to be involved in
accidents than vehicles of any other color, so many insurance companies have
increased rates for yellow automobiles. Some of the features that are present
on the automobile you choose can impact your insurance rates, too. For example,
if your car is equipped with an alarm or other anti-theft device, chances are
that your rates will be lowered. If your car has an anti-lock brake system,
this is often indicative of a discount, as well.
Contact the Insurance
Company
Of course, the best way to determine how the purchase of a vehicle
will affect your insurance rates is to simply contact your agent when you are
seriously considering a new car. Before negotiating with the salesperson at the
dealership, call your insurance company to provide the make, model, year, color
and features associated with your vehicle of choice. You should be able to receive
a new quote in just a few minutes’ time, and your agent can even hold this
information for you in the event that you decide to go ahead with the purchase.
This way, when you buy the car, one quick call ensures that you are ready to
drive off the lot right away.
Your Florida car insurance can be affected significantly
based upon the type of car you purchase and the features associated with it. Of
course, this is something that you will always need to consider any time you go
shopping for a new automobile.
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