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If you want to buy a new car and register it in California, you will need auto insurance. How can you minimize your monthly premiums?Â
Did you know that insurance companies determine how much you will pay for a premium based on statistics associated with the type of vehicle? What is taken into consideration is how often a particular car model gets into accidents, how much damage is done to the vehicle and other rides, and if any injuries are sustained in those incidents.
While your driving record and other personal information are also added to the equation, a car that better protects the occupants and itself from damage will always rate the lowest possible insurance.
It costs more to repair a car that is less than 3 years old compared to the same make and model that is 10 years old. Parts supplied by the original manufacturer feature premium prices while aftermarket parts see a significant discount. As such, older cars see a dramatic drop in insurance rates.
In accordance with the Insurance Institute of Highway Safety, today’s mid-size SUVs help to minimize bodily injury during a typical accident when compared to the aging sedan body style. This is translating into lower insurance rates for the most popular type of ride on the road.
The larger SUVs do a better job of protecting the driver’s cockpit with a combination of crush panels and reinforced roll cages that deflect energy away from the occupants.
Now that more vehicles include autonomous emergency braking and smart cruise control, there has been a drop in accidents at intersections and evening commutes. And that helps to lower insurance costs.
If you are looking at a new car that includes these types of systems along with adaptive headlights and lane-keeping technology, you may see discounts of up to 30% added to your policy.
Why are you being quoted more to insure a new sports car or truck compared to an SUV? Because statistically, these types of vehicles are more likely to be involved in an accident. Also, their performance design translates into parts that are more expensive to replace. Even a perfect driving record will not change these facts.
Trucks tend to cause more damage to other vehicles and property, which costs the insurance company more to settle claims. Those extra dollars are passed on to the insurance policy owner regardless of whether you are ever involved in an accident.
The great news is that many of the most popular SUVs on the road are making the shortlist for the cheapest insurance rates.
When shopping for a new ride, do your research and look for vehicles that feature a Top Safety Pick+ rating from the Insurance Institute of Highway Safety and a 5-Star Safety Rating from the National Highway Traffic Safety Administration. Then comparison shop for an insurance rate that works with your budget.
Which vehicle with lower insurance rates is right for you? Come visit us at the Beach Boulevard of Cars and take a few out for a test drive to make a more informed and confident decision.
We will make our best efforts that posted prices are always accurate however, we are not responsible for any typographical or other errors that may appear on the site. If the posted price for a vehicle or service is incorrect due to a typographical or other error, such as data transmission, etc., this Dealership or Pixel Motion, Inc. are only responsible for the correct price, which will be provided as soon as we are made aware of such error(s). Ultimately, it is your responsibility to ensure that the information is 100% accurate with the Dealer.
Posted vehicle images and descriptions on our website is representative to what is provided by our suppliers. Please note that the actual vehicle may slightly differ from its specifications and/or images. The Dealership is not responsible for any typographical, pricing, product specifications, advertising or shipping errors. Advertised prices and availability are subject to change without notice.
In the event a vehicle is posted at an incorrect price due to these errors, or if an error in pricing was received from our suppliers, the Dealership reserves the right to refuse and/or cancel these orders.
While great effort is made to ensure the accuracy of the information on this site, errors can occur. Please verify all pricing information with a customer service representative. This is easily done by calling us or visiting us at the dealership.
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