Posts Tagged ‘lower auto insurance’

Tips To Avoid Auto Insurance Rate Increases

Tuesday, June 12th, 2012

Are you paying too much for auto insurance? Your rate can go up suddenly and without warning. Sometimes simple errors can cause you to overpay for basic coverage. Here are a few tips to avoid these unscrupulous auto insurance rate hikes and protect yourself, as a consumer.

Did You Get A Ticket?

Tickets are one of the main causes for auto insurance rate hikes because insurers take this as a sign that you’re driving erratically and dangerously, thus making you more of a liability. You won’t get penalized for a parking ticket, but moving violations for running lights, speeding and reckless driving will take your insurance rates way up for a good three years.

Did You Buy A New Car?

When you’re car shopping, you may be focused on finding the best color or the car with the most cargo space. However, you should also consider how the auto insurance company will look at your purchase. Cars with expensive foreign parts will be more expensive to insure because their repair costs will be higher, should you get into an accident. Also, cars that are frequently stolen will cost more. Conversely, safety ratings and features can bring the cost of insurance down.

When Was The Last Time You Shopped For Auto Insurance?

You should take a few minutes each year to shop around for better auto insurance rates. People who take the time to review their policies always end up paying less. With websites like, it’s easier than ever to get a quick, free online auto insurance quote!

auto insurance rates

Take a moment & shop for free auto insurance quotes on our site!

Most & Least Expensive Cars For Auto Insurance 2012

Wednesday, April 4th, 2012

Your auto insurance premium depends upon many different factors, including the type of vehicle you choose to drive. It’s no surprise that a fast, flashy, expensive sports car would cost more to insure than a hand-me-down station wagon. However, there are other cars that people may not expect on the list too — like a BMW Hybrid.

According to Insure, these are the “10 Most Expensive Cars For Auto Insurance” in 2012:

auto insurance

You can drive that Spyder, but it'll cost ya in auto insurance!


Rank Vehicle Cyl. Nat’l annual avg. rate
1 Audi R8 Spyder Quattro Convertible 10 $3,384
2 Mercedes CL600 Coupe 12 $3,307
3 Mercedes S600 12 $2,948
4 Audi R8 4.2 Quattro Coupe 8 $2,903
5 Porsche Panamera Turbo 8 $2,738
6 BMW 750i Hybrid 8 $2,701
7 Porsche 911 Turbo Convertible 6 $2,674
8 Porsche 911 Turbo S Convertible 6 $2,674
9 Mercedes CL65 AMG Coupe 12 $2,669
10 BMW 750Li Hybrid 8 $2,641

On the other end of the spectrum, you can find the least expensive auto insurance with…

auto insurance

Want low auto insurance? Try the Toyota Sienna.

Rank Vehicle Cyl. Nat’l annual avg. rate
1 Toyota Sienna LE 4 $1,111
2 Toyota Sienna 4 $1,114
3 Jeep Patriot Sport 4 $1,116
4 Jeep Compass Sport 4 $1,118
5 GMC Sierra K1500 Regular Cab 6 $1,121
6 Chevrolet Silverado 1500 Regular Cab 6 $1,125
7 Dodge Grand Caravan SXT 6 $1,129
8 Ford Escape XLS 4 $1,137
9 Toyota Sienna 6 $1,139
10 Chevrolet Silverado 1500 Extended Cab 6 $1,143

Why Such A Difference?

Psychologists will tell you that buying a mini-van says “I’m happily married with kids and concerned about safety,” whereas a flashy sports car says “look at me: I’m reckless and cool!” Yet, from a more practical standpoint, the Toyota Sienna is mass-produced, whereas the Audi Spyder is made in limited numbers to increase the desirability and status of driving such a vehicle — which makes repairs and maintenance more costly. The cost of auto insurance also goes up if a vehicle is statistically more likely to be stolen or be involved in an accident.

Looking for lower auto insurance rates? Search auto insurance quotes right here!