Thinking of Everything When You Buy New Car Insurance

If you find yourself constantly visualizing you in a new car or truck and perhaps getting rid of the old family workhorse in the bargain, you could find that the price of insuring a new vehicle can be surprisingly high. It would be a good idea to look more closely at why this should be so before you head out to buy new car replacements for the old ones in your family.

Let’s start with the kind of exterior you car has. Do you realize that you could buy a staid car like a Camry or an Accord and still pay sports car type insurance premiums? It doesn’t make sense of course, but if you buy a two door version or a coupe version of any of these family standardbearers, you will be placed in the insurance category occupied by sports car owners. They feel that anyone who buys a two door car has to want to drive his car like a Mustang. And harder they believe you will drive your car, the more they’ll charge you for being a high risk car owner. But would you believe it – owners of convertibles have to pay less when they buy new car insurance than owners of standard top cars.

So if safety equals savings when you buy new car insurance, how about an SUV? There could be nothing safer for you than a large car like that, could there? Not so fast. An SUV does keep you safe; but whoever you hit with the SUV is going to be in serious trouble. And your insurance company will probably be liable for them too. So if you are planning on buying an SUV, you’d better reconsider for the kind of insurance charges you will end up paying.

The kind of brand you end up buying can have a lot to say about your insurance costs too. You could look it up on any popular Internet calculator, but owning the latest Ford Fusion can be a lot less expensive than a Camry. To buy new car insurance for the Ford Fusion can be a gladdening experience. The Ford F1 50 wins out against the Dodge RAM too. Even the kind of engine and transmission your car comes equipped with can make a lot of difference to your insurance costs in the end. Generally, a manual transmission is more expensive to insure. So there you go – it makes all the difference in the world to what your insurance costs will be like, the kind of car you buy.