Insurancebroker

With age being something that can have a significant impact on the cost of car insurance its always a good idea to shop around.

Car insurance quotes for the under 25s can make the cost of running a car totally unaffordable especially if the person concerned has had an accident or incurred points on their license.

One of the best ways of saving money on your car insurance no matter what your age is to get as many competitive car insurance quotes as possible. The availability of so many consumer products on the internet, including all types of insurance, means that it has never been easier to save money when looking to insure your car.

All the main players enable you to get car insurance quotes on line including Progressive, StateFarm, Allstate, Viking and Nationwide. Check them out or even better get a good insurance broker to do the job for you.

Other ways to help reduce your cost of car insurance if you are under 25 are:

Avoid sports cars and other vehicles that are considered high risk in the auto insurance industry. Cars with a higher risk of accidents, more expensive to repair or more prone to being stolen will push up your car insurance premiums.

Get married, a bit rash I know but married under 25s are often considered less of a risk with car insurance companies than their unmarried counterparts.

Give consideration to where you live. Living in an area that experiences a higher level of theft and vandalism will increase your car insurance premiums.

Drive with care and avoid speeding tickets or other convictions. Car insurance providers can come down hard on those with points on their licence particularly if they are under 25.

Never drink and drive. A drink drive conviction (DUI) will really push up your car insurance.

Some car insurance companies will reduce their premiums for those who lower mileage users.

Get quotes from insurance companies that can meet all your insurance needs. Discounts are now being offered to those whose cover more than one car through the same insurance company or who use the same insurance company for householders insurance or other types insurance as well as their car insurance.

Never assume that the same company will provide you with the best insurance quote year after year. Shop around every time your car insurance comes up for renewal, the odds are you will be able to better the deal.

Do you consider the cost of car insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type.

The Highway Loss Data Institute is a nonprofit public service organization. It is closely associated with and funded through the Insurance Institute for Highway Safety, which is wholly supported by auto insurers. HLDI gathers, processes, and publishes data on the ways losses vary among different kinds of vehicles.

4- Door cars have a 93% less chance of having a claim related to theft than their sibling 2-Door cars. Buy a Buick LeSabre and have relatively no chance of a theft loss. Compare that to the convertible Chevrolet Corvette that has over 5 times the average theft rate. You may have known that. However, did you know that the Toyota Celica has a 67% higher chance of theft than the Toyota Camry?

In addition, even though the 2002 Lexus IS 300 gets a "best pick" rating from the Insurance Institute for Highway Safety for its performance on crash tests, previous years' models of the same car are some of the most costly in terms of collision claims. "One of the factors that come into play there is the cost of repairing an expensive vehicle," says Russ Rader, with the Insurance Institute for Highway Safety.

What about safety? You may be surprised at some of the results. For example, the Porsche 911 has a 67% less chance for injury claims than the norm. Go figure. The Mitsubishi Lancer has almost double the injury claim rate over the norm.

Where does you car fit for injury theft and collision? What about your dream car? Take a look at this run down based on 2000-2002 HLDI data:

Models that are among the most expensive for theft claims include:

Cadillac Escalade four-wheel drive
Chevrolet Corvette Convertible
Lincoln Navigator four-wheel drive
Jeep Cherokee four-door
BMW 3 series Convertible

Models that are among the least expensive for theft claims include:

Buick LeSabre
Buick Park Avenue
Volvo V70 Station Wagon
Mercury Grand Marquis four-door

Models that are among the most expensive for injury claims include:

Suzuki Esteem four-door
Kia Rio four-door
Mitsubishi Mirage two-door
Kia Sepectra four-door

Models that are among the least expensive for injury claims include:

GMC Sierra 2500 two-wheel drive
Chevrolet Silverado 2500
GMC Yukon XL 1500 four-wheel drive
GMC Sierra 2500 four-wheel drive
Chevrolet Tahoe two-wheel drive

Models that are among the most expensive for collision claims include:

Subaru Impreza WRX four-wheel drive four-door
Lexus IS 300 4 door
Hyundai Tiburon two-door
Porsche 911 Coupe
Acura RSX

Models that are among the least expensive for collision claims include:

Ford Excursion two-wheel drive
GMC Safari four-wheel drive
GMC Sierra 2500
GMC Yukon XL 1500 four-wheel drive

Source: The Highway Loss Data Institute