Average Cost of Car Insurance


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Car Insurance for the Chevy Volt – Things That You Should Know

Chevy Volt

If you are considering a hybrid vehicle to save money and the environment, the Chevy Volt is likely to be one of your top choices. When buying or leasing a new car, there are many things that have to be considered. There is, of course, the price, but that is only the very beginning of it. Some cars are cheaper to own in the long run and that is why many dealers now offer five or ten year cost comparison charts to help their customers make these decisions. On these charts will be the costs of monthly payments, fuel and other maintenance, garage fees and of course, insurance. The type of insurance that you need plus some very individual factors will change the cost of coverage. It is very important that you know what can make your insurance higher or lower and consider that when choosing the right car for you. If you have financed or are leasing your car, you will be required to carry additional coverage.

The Basic Cost of Insurance for the Chevy Volt

Chevy Volt

Your insurance rates are determined by the following factors:

  • Personal factors such as your age, gender and marital status
  • The age of the car (a newer Volt will cost more to insure than an older one)
  • The number of miles that you drive per year
  • Your credit history
  • Whether you own your home or not.
  • Whether you lease, finance or own the Volt outright
  • Your location
  • Your driving history

While there are many of these factors that cannot be changed, there are others that can. Your driving history is one of the easiest ways to protect yourself and your budget by keeping your car insurance costs low. Make sure that you are obeying the rules of the road and using great care because tickets and accidents are expensive for years to come.

Basic insurance, which is required by most states, is only the legal minimum and may not be enough to cover the cost of damages to your vehicle or others. Liability insurance only protects you from a legal standpoint and will not help you replace your car and will not cover the cost of any injuries that you sustain during an accident. If you do not have enough insurance to cover the cost of the car and are financing it, you will still owe payments on a car you can no longer drive. That is why most financing companies require proof of insurance before your papers are processed and you get the keys to your new car.

Ways that the Chevy Volt Protects You

Every car boasts about its safety features. The Chevy Volt has a number of these factors that are meant to protect occupants in the event of an accident. These safety features include:

  • 4 wheel antilock brake system with traction control
  • Tire pressure monitoring system
  • 8 total airbags protecting the driver and passengers
  • Steel reinforced safety cage

The Chevy Volt was given a five star crash safety rating. In addition, most models come equipped with OnStar for safety and navigation and may also include a connectivity bundle that allows drivers to synch the vehicle to their smart phone as well. These services are typically kept active as part of the purchase price for only a set period of time. At the end of that time, you will have to choose whether you want to renew for a nominal fee or not.

Awards and Ratings for the Chevy Volt

The basic Chevy Volt for 2013 will cost around $35,000 depending on options and features that are chosen. Each can get nearly 400 total miles on a full charge. A Volt owner may qualify for certain tax credits, especially in seven states (California, Illinois, Pennsylvania, Utah, West Virginia, New York and South Carolina).  In addition to receiving the five star crash safety rating, the Volt has won:

  • 2009 Green Car Vision Award
  • 2011 Green Car of the Year
  • 2011 North American Car of the Year
  • 2011 World Green Car
  • 2012 European Car of the Year

It has been ranked at number six in two categories, Upscale/Midsize and Hatchback, and number four in Hybrids.

Average Cost of Car Insurance in Michigan

If you live in Michigan and you own a motor vehicle, you are required by law to carry a minimum amount of liability insurance. In Michigan this is known as Michigan No Fault Insurance. Without this type of insurance coverage, you can get into a lot of trouble. If you get caught driving in Michigan without the proper amount of insurance, you are subject to fines, suspension of your driver’s license, suspension of your vehicle registration, and even jail time if you are a repeat offender. You don’t have to get full coverage to be able to legally drive in the state of Michigan, and there are many ways that you can get discounts to save money on the amount of coverage you do need to have.

Average Cost of Car Insurance in Michigan

What Are You Responsible For?

When you drive in Michigan you must carry a minimum of $20,000 coverage for one person (bodily injury coverage) and $40,000 in bodily coverage for one accident in total, in addition to $10,000 in property damage liability coverage. Your insurance card must be in your vehicle at all times. If you are stopped and you can’t show proof of insurance, you may be subject to having your driver’s license suspended.

If you can’t provide proof of insurance, your places may be cancelled or suspended. You can’t renew, replace or transfer your license plate until you are able to show that you have the required amount of insurance coverage, and you may even have to be able to provide proof that you have had insurance on your vehicle for a minimum of six months. You may also be required to pay a fee of $50, as well as other required fees.

Rental Cars

If you are using a rental car, you are still required to have the minimum amount of liability insurance. Most insurance policies will cover you if you are using a rental car, and it works the same as your regular insurance policy, from deductibles to coverage. Some credit card companies will provide this coverage if you use their cards to pay for rental cars.

Uninsured/Underinsured Drivers

Unfortunately, many people continue to drive without having insurance coverage. These people, like those who have insurance, get into accidents. When they get into accidents, there is no insurance to cover your damages if they are at fault, or to cover their own damages no matter who is at fault. This coverage is not required by law in Michigan, but it is handy to have, just in case.

Excluding Household Members from Your Auto Insurance Coverage

Insurance companies are allowed to ask you to list all of the members of your household before giving you an insurance policy. This is so they can look at their driving records and make sure that they are not insurance risks, which will raise your rates. If there are members of your household who will not be driving your vehicle at any time, you can exclude them from your policy in order to save some money. You can never allow these people to drive unless you decide to include them on your insurance. They will not be covered otherwise.

Try to Maintain Good Credit

One way to save money on your auto insurance is to maintain a good credit rating. When you have bad credit, you are considered an insurance risk. This is because not paying your bills or not paying them on time shows a lack of responsibility on your part. The better your credit rating is, the better your insurance rates are going to be. Insurance companies in Michigan are allowed to check your Personal Credit History in order to decide which rate to charge you for your auto insurance.

Get Your Insurance Quotes Today

It is wise to get as many quotes as you can from a variety of insurance companies. They all have different rates for the products they offer, and not all insurance companies offer the same insurance products. When you have quotes, you can study them to find out which insurers are offering the most protection for the best price. You can get multiple quotes online without having to enter any personal information and you will never be contacted by insurance agents until you are ready to buy your policy.

 

Average Cost of Car Insurance in New York

If you live in the State of New York and you own a vehicle, in order to be able to drive it legally you must carry a certain amount of auto insurance. It is essential that you carry liability insurance, which protects third party drivers and covers any injuries and damages if you are in an accident that is your fault. There are also other types of auto insurance that are optional, but necessary, if you have a newer-model vehicle. The more coverage you have the better off you are. The only problem is that the more coverage you have the more money you have to spend. This is an issue that you will need to weigh both sides of in order to decide just how much coverage you want and/or need.

What Is Liability Insurance?

Average Cost of Car Insurance in New York

There are actually two parts to liability insurance: bodily injury and property damage. Without liability insurance, you can’t drive your vehicle in the state of New York. If you are caught driving without the proper insurance, you are subject to fines, time spent in jail and increased insurance rates. Let’s discuss the two parts of liability insurance.

  • Property Damage – This covers any damage to property belonging to others when you are involved in an accident that is your fault. This coverage will not pay for any damages to your own vehicle or property. For this you must have comprehensive and collision coverage, which is optional and not always necessary if you own an older-model vehicle. The minimum amount of property damage coverage you are required to have in New York is $10,000, and you can always have more, which is a good idea to make sure that you don’t have any out-of-pocket expenses following an accident.
  • Bodily Injury – This covers the cost of medical and other expenses incurred by someone else involved in an accident that is your fault. You must carry a minimum of $25,000 in bodily injury coverage in New York per person, and $50,000 per accident. The more coverage you have, the better off you will be if you are at fault in an accident. This way if you are at fault in an accident and there are extensive injuries, you won’t have to pay for the expenses yourself.

PIP Insurance Coverage

New York is a no-fault state. This means that you need to have PIP (Personal Injury Protection) insurance. This is coverage that will pay for your own injuries, no matter who is at fault in an accident. Everyone in your vehicle is covered when you have PIP insurance.

Uninsured Motorist Coverage

Drivers in New York must also carry uninsured motorist insurance. This way, if you are in an accident with an uninsured driver, your damages will be covered. This will keep you from having to take the other driver to court, which is more of a hassle than anything else. Your insurer will take care of that in order to have their expenses covered.

How You Can Save Money on Auto Insurance

Just because you need to have auto insurance in New York, it doesn’t mean that you have to go broke paying for it. There are a number of ways that you can cut down on the cost of your insurance without having to skimp on any coverage. Some of these include:

  • Good Driving Record – If you don’t have any accidents or traffic violations on your driving record, many insurers will offer discounts.
  • Driver Training Courses – Taking a driver training course is a great way to save money on your auto insurance, and you can take the courses from your local Department of Motor Vehicles.
  • Young Driver Discounts – If your teens are driving, as long as they have a clean driving record and maintain a certain grade point average, you will be entitled to an auto insurance discount.
  • Low-Risk Driving – If you have low mileage or take advantage of pay-as-you-drive programs, you can save money on your insurance rates.
  • Safety Feature Discounts – If you purchase a newer-model vehicle, make sure that you get all of the added safety features. While this may cost you more, you will save money in the long run with lower insurance rates.
  • Multi-Policy Discounts – Bundling your auto, home and life insurance into one policy will help you save money.
  • Military Discounts – If you are a member of the military or a veteran, many insurance companies will offer discounts.
  • Homeowner Discounts – Owning your own home may entitle you to savings on your auto insurance. You can also get discounts if you are married and if you have good credit.

To learn if you are eligible for any of these discounts, you will have to provide certain pieces of information when you are requesting insurance quotes. This may include your age, zip code, the make and model of your vehicle and your driving record. The insurer will look at your information and decide how much of an insurance risk you are and offer discounts based on the facts. Make sure that you shop around and get quotes from many different insurance companies. The first policy you are offered may not necessarily be the best, and if you don’t shop around you may never know if you are paying too much for your auto insurance in New York. Go online today and start requesting your free insurance quotes.

Insuring a Dodge Dart

While the Dodge Dart is a classic muscle car and therefore seemingly hard to ensure, there are newer models that have more safety features and don’t come with super-high insurance rates. For instance, the 2013 model comes with safety features that weren’t even heard of when the first Dodge Dart rolled off the assembly line. An inexpensive vehicle, the new Dart starts at around $18,000. Of course this price is the base price, and if you want to have extra features such as air conditioning, you will have to pay more than the sticker price.

Dodge Dart

The last of the Dodge Dart muscle cars was built in the 1970s. Today there is a newer version that is more of a family vehicle, a front-wheel drive sedan that has been built by partners Dodge and Fiat. This new car is the replacement for the Caliber. This is a great compact car that has loads of room. The new Dart has many features that will help to lower your insurance rates.

2013 Dodge Dart Safety Features

The new Dodge Dart comes with all of the expected safety features, and a few extras for your safety. These features are going to help lower your insurance rates even if you choose to have full coverage, which you should have for a newer model vehicle. Some of the added safety features this car offers include rear side air bags, front knee air bags, rear view camera, blind spot alert and cross-path detection.

Keeping Your Insurance Rates Down

One good way to have lower insurance rates is to make sure that you choose one of the less sporty trims for your new Dodge Dart. The sportier the model, the more it is going to cost to insure. This is just one thing you can do to lower your insurance rates. Here are some more ways you can keep your rates down:

  • Clean Driving Records – If you get caught speeding, running a red light, etc., it will affect your insurance rates. Always remember the rules of the road to avoid any fines and insurance rate increases.
  • Combine Insurance Policies – You can get discounts by bundling your auto, home and life insurance.
  • Multi-Vehicle Policies – If you own more than one vehicle, many insurers will offer discounts if you have them all insured on the same policy
  • Driver Education – You don’t have to be in high school to take advantage of the benefits these courses offer, including discounts on auto insurance
  • Safe Driver Discounts – If you have a clean driving record and maintain it for a certain period of time, many insurers will offer you a discount on your auto insurance for your new Dodge Dart.
  • Anti-Theft Devices – If you choose to have a car alarm and other anti-theft devices, you can get discounts on your insurance rates.
  • Senior Discounts – Many seniors who have clean driving records are entitled to discounts on their insurance, and the longer the record is clean the better the discounts are.
  • Teenage Drivers – If your teens are keeping a clean driving record and getting good grades, it will help to lower your insurance rates.
  • Don’t Drive to Work – If you are using your car to commute to work, it will cost more to insure it than if it is just used as a grocery-getter

Shop Around for Good Auto Insurance Rates

You probably won’t get the best rates for your auto insurance if you take the first policy that is offered to you. You shopped around for your new vehicle until you found the new Dodge Dart, so why shouldn’t you shop around for your insurance? There are many different insurance companies out there, and they all offer different products, at different rates. You should try to get quotes from as many insurance companies as possible, both national and local. Take your time to study and compare these quotes so you will know for sure that you have gotten the best rate possible. Don’t forget to mention any memberships you may hold that will entitle you to discounts, such as AAA and military/veterans groups. Try to get as many discounts as you are eligible for to keep your rates low.

 

Average Cost of Car Insurance in Pennsylvania

If you live in Pennsylvania and you need auto insurance you are in luck, because Pennsylvania has some of the lowest insurance requirements for drivers in the whole country. One thing to remember, though, is just because you don’t need a lot of insurance it doesn’t mean that you shouldn’t have it. After all, if you have a newer-model vehicle, you will want to have full coverage in case anything happens to it. If you have an older-model car, certain types of insurance may be an unnecessary expense. This is something that you will need to think about before buying your auto insurance policy.

You Are Responsible

Average Cost of Car Insurance in Pennsylvania

If you are driving and you have an accident where you are at fault, it is you who is responsible for all of the expenses incurred by both yourself and anyone else who is involved in the accident. This is why you should not only have liability coverage, but also comprehensive and collision coverage. Otherwise, medical and repair bills can add up fast, and if there are a lot of expenses you could end up having a lot of debt that you wouldn’t have had if you bought more insurance coverage. These types of coverage are not mandatory in the State of Pennsylvania, but it is a good idea to have them anyway.

Your Minimum Insurance Requirements

When you live in Pennsylvania and you drive a vehicle, you must carry a minimum of $5,000 in property damage liability insurance. You also need to have bodily injury coverage of at least $15,000 per person in the accident (with a limit of $30,000 per accident). Insurance companies in Pennsylvania must provide medical payment coverage of at least $5,000, and some insurers will offer an umbrella policy with an overall limit of $35,000. You are not able to go without insurance and simply pay an uninsured motorist fee.

This is one of the only states in the US that has an assigned risk plan. This will give you coverage even if you are unable to get insurance on your own. You must take on an approved insurance plan and the rates are usually pretty high. This is an option if you have driving infractions, including DUI.

How to Save Money on Your Auto Insurance

There are many ways that you can save money on the auto insurance you are required to have by law in the state of Pennsylvania, as well as additional coverage. For instance, if you have a squeaky-clean driving record, most insurance companies will offer you a safe driver discount. For each year that you maintain that clean driving record, you will receive additional discounts. Other ways to save money on your auto insurance besides safe driver discounts include:

  • Multi-Policy Discounts – You can save money by combining your auto, home and life insurance policies into one bundled policy.
  • Multi-Vehicle Discounts – If you own multiple vehicles, you can put them all onto the same insurance policy to get lower rates.
  • Driver Education Discounts – Your local Department of Motor Vehicles can inform you about how to take advantage of these programs, which make you less of an insurance risk and therefore eligible for insurance discounts.
  • Association Discounts – If you belong to AAA or other associations and groups, you may be eligible to save money on your auto insurance.
  • Military Discounts – Past and present members of the military can get discounts and save money on their insurance rates, often as much as 15%.
  • Low Mileage Discounts – Using your vehicle as a grocery-getter and finding other modes of transportation to and from work can entitle you to insurance discounts.
  • Safety Feature Discounts – Purchasing a newer-model vehicle with the latest safety features is a great way to save money on your auto insurance coverage.
  • Home Owner Discounts – By owning your own home you show that you are responsible and may therefore be eligible for insurance discounts.
  • Young Driver Discounts – Having any teenagers on your insurance policies maintain a clean driving record and a certain grade point average will help you to save money on insurance.

Getting Insurance Quotes

It is important that you take your time when it comes to choosing the right auto insurance policy. You really do need to get as many quotes as you can. This is the best way to compare insurance companies and see which ones offer the best insurance products at the best rates. You can easily get a number of quotes online without having to call or visit individual insurance companies. This is a great way to remain anonymous so you don’t end up having a lot of insurance representatives calling you all the time trying to get your business. Shop around, compare quotes, and make your decision based on the facts, and you will get the best rates for your auto insurance.

Save Money when Insuring Your Nissan Altima

When it comes to auto insurance, you really have to do your homework in order to be sure that you are getting the absolute best rates. You need to shop around, and get quotes from as many insurance agencies as possible. If you have a Nissan Altima or are thinking about buying one, it will cost approximately $1,300 per year to have insurance, depending on the insurer you end up dealing with and the type of coverage you choose. Remember, the more coverage you want the more you are going to pay. Of course, if you are buying a brand new Nissan Altima you will probably want to make sure you have full coverage.

About the Nissan Altima

If you are looking for a great mid-sized family car that is economical and easy on gas, the Nissan Altima is an excellent choice. It comes standard with a 2.5 liter inline 4 or a 3.5 liter V-6 engine, and offers 32 mpg on the highway and 23 mpg in the city. Not only is this car easy on gas, it is also one of the most power family sedans on the market today. Other features of this popular car include:

  • Seating for 5 (2 front and 3 back)
  • 6-Speed manual transmission
  • Low starting cost ($19,900 to $30,100)

Safety Features

The Nissan Altima is loaded with safety features that will help to lower your insurance rates. It is considered a top safety pick and tested good (highest rating) for frontal offset, side impact, rear crash and roof strength tests with the Insurance Institute for Highway Safety. The National Highway Traffic Safety Administration gives this car an overall rating of five stars. Safety features that come standard include:

Nissan Altima

  • Emergency trunk release
  • Air bag (driver’s side)
  • Air bag (rear head)
  • Side air bag
  • Passenger air bag
  • Four Wheel disc brakes
  • Electronic stability control
  • Traction control
  • Four wheel ABS
  • Head air bag (side)
  • Brake assist
  • Child safety locks

What to Consider when Buying Auto Insurance

When you are getting quotes for insurance for your Nissan Altima, there are a few things that you need to keep in mind. For instance, you can choose to have a higher deductible in order to have lower payments. You will need to ask about rates, deductibles and the amount of coverage you will have with the policy you ultimately choose. There are many things that will help to keep your rates down, including:

  • Driver Safety Courses – Most insurers will offer discounts to drivers who have taken one of these courses, which are offered by your Department of Motor Vehicles.
  • Multi-Vehicle Policies – If you own more than one vehicle, you can combine policies for a lower rate.
  • Multiple Policies – If you have home and life insurance, you can combine them with your auto insurance for a bundled rate.
  • Teen Drivers – If your teenager has taken a driver safety course, maintains a clean driving record and keeps his or her grades up, you may be entitled to discounts on your auto insurance.
  • Having a Garage – You will get better rates if you can show that your vehicle will be in a garage or covered for protection.
  • Low Mileage – If your vehicle is just for running errands and not used to commute to work every day, your rates will be lower.
  • AntiTheft Devices – There are many security features on the Nissan Altima, but there are more things you can do to keep your car safe and lower your insurance rates, including getting a car alarm and devices such as the club.

There are a number of things that can negatively affect your insurance rates and you will end up paying more than you feel is necessary. Some of these things are:

  • Marital Status – Single people pay more for auto insurance than married people because they have not shown that they are able to commit and show a particular level of responsibility.
  • Credit Rating – If you have a poor credit rating, it will affect your insurance rates because it shows that you are not financially responsible.
  • Occupation – If you are unemployed you will have a harder time getting good rates than if you have full time employment.
  • Driving Record – If you have black marks on your driving record, it is going to cause your insurance rates to increase.

Getting Insurance Quotes

The best way to know that you are getting the absolute best insurance rates is to get quotes from a number of insurance companies. Make sure that you contact both local and national insurers because not all insurers offer the same insurance products or the same rates. Compare the various quotes that you get and then decide which insurance company is offering the most coverage for the best price.

Take advantage of every discount you can when you are trying to buy insurance for your Nissan Altima. You don’t have to pay a fortune for auto insurance when you shop around, get quotes and make your decision based on those quotes. The more you can learn about insurance the better your rates will be.

The Honda CRV: Low Sticker Price, Low Insurance Rates

When you are looking for a vehicle that is safe to drive and that will allow you to have lower insurance rates, you need to consider the Honda CRV. This vehicle is loaded with safety features that help to keep insurance rates affordable. It has been designed to be a safe family vehicle, and it has “Good” ratings from the IIHS and from the U.S. Government. These ratings are just one of the things that will help to keep insurance rates lower than they are for other vehicles. When a vehicle such as the Honda CRV has a good safety rating, it shows insurers that they won’t have much likelihood of having to pay for accident claims.

The Price Is Right

When choosing a new vehicle, price is one of the most important factors. In addition to being affordable to insure, the Honda CRV has a low MSRP. The starting price for this vehicle is just $22,295, and even if you want a fancier model, the price isn’t a whole lot more. This starting price includes all of the standard safety features that insurance companies look for when providing coverage. The average price to insure a Honda CRV is approximately $1,245.

Safety Features

There are many safety features on the Honda CRV that will help to keep your insurance rates down. There is a security system that disables the ignition if anything other than the manufacturer’s key is used. Other safety features of this popular vehicle include:

honda-CRV

  • Anti-Lock Brakes
  • Front-Impact Air Bags
  • Side-Impact Air Bags
  • Overhead Air Bags
  • Pretensioners
  • Stability Control

There Is One Drawback to Insuring a Honda CRV

There is one thing that will keep you from getting the lowest insurance rates if you own or are thinking about buying a Honda CRV. This is the fact that Hondas are very popular vehicles, which also makes them very popular vehicles with auto thieves. This vehicle has a high rate of theft, so even though it is an inexpensive vehicle to buy initially, your insurance payments may be more than you expected. Of course, if you have all of the bells and whistles and the latest safety features, it should help to offset that amount.

How to Keep Your Insurance Rates Low

There are a number of things you can do to get lower insurance rates. For instance, you can take a driver’s training course that will teach you defensive driving. You can find out about how to take one of these courses at your local Department of Motor Vehicles. Other ways you can save money on auto insurance for your new Honda CRV include:

  • Install Anti-Theft Devices – The Honda CRV comes with anti-theft devices, but there are others you can install that will help to lower your insurance rates. Window etching is a good example, as well as car alarms.
  • Usage-Based Device – If you don’t drive your vehicle a whole lot, you can opt to have usage-based insurance coverage. You will receive a device that plugs into your vehicle and sends driving data to your insurer. Your mileage will affect your rates.
  • Multi-Vehicle Discounts – If you have more than one vehicle, most insurance companies will offer multi-vehicle policies, which will help to save you money.
  • Annual Policies – The longer the term of your policy, the less it is going to cost you. It will cost less to have annual payments rather than monthly or other terms.
  • Low Mileage – If you drive your vehicle to work every day, it will cost more to insure it. If you are only using it to run errands, your rates will be lower.
  • Multi-Policy Discounts – You can save money by combining auto, home, and life insurance into one bundled policy.
  • Group Discounts – If you belong to certain groups or organizations, you may be entitled to auto insurance discounts. Some of these groups include credit unions, AAA (American Automobile Association), veterans’ and other military organizations, sororities, fraternities, and others.
  • Give Your Teenagers Driver’s Training – Not only should you take a driver’s training course, so should your teenagers. It will give them the skills they need to be good drivers, and if they get good grades and maintain a safe driving record, you can report it each semester to receive insurance discounts.
  • Only Get the Coverage You Need – If you have an older model vehicle, you may not want to bother with full insurance coverage. If you are buying a new Honda CRV, you will want to have the most coverage you can afford. You can also look into increasing your deductible to lower your payments. Also consider lowering liability and medical payments if possible.
  • Don’t Bother with Rental Car Insurance – If you are buying a new vehicle, you probably don’t need to worry about rental car coverage as long as you have full comprehensive and collision coverage. If you have an older vehicle, you may want to have this additional coverage just in case.

If you need a new vehicle and you want one that is not only inexpensive to buy but also inexpensive to insure, the Honda CRV is a great option to consider. It comes loaded with many standard safety features, and you can have more added to help lower your insurance rates even more. Test drive a new Honda CRV today and see just what makes it one of the most popular vehicles on the road today.

Get the Best Insurance Rate for Your Ford Focus

When it comes to buying a car, the most important thing most people consider is the price. But there are many things to factor in on top of the sticker price of the car. For instance, you need to think about things like maintenance, gas mileage, and how much it costs to insure. The Ford Focus is an extremely popular car, because it meets all of these criteria. This is a great car for anyone, and it makes a great family vehicle. It has a low sticker price, even if you want a few extras, and you can get up to 35 mpg. There are also a number of things that make this a car that costs less to insure than other types of vehicles.

You may not realize it, but the make and model of a vehicle play huge roles in how much that vehicle costs to insure. The Ford brand is one that is known to be well-built, and the Focus is known for its many safety features that make it a great family vehicle that is easy to insure.

Top Safety Pick

The Ford Focus has been named in many reviews as a top safety pick. This is definitely a vehicle that you can feel safe driving your family around in. Some of the safety features you will find on the Ford Focus include:

ford focus

  • Driver Side Air Bag
  • Side Head Air Bag
  • Rear Head Air Bag
  • Rear Body Air Bag
  • Side Air Bag
  • Passenger Air Bag
  • 4-Wheel ABS
  • Child Safety Locks
  • Emergency Trunk Release
  • 4-Wheel Disc Brakes
  • Traction Control
  • Electronic Stability Control
  • Front Disc/Rear Drum Brakes

If you are looking for a solid, dependable, and safe family vehicle that is not going to cost an arm and a leg to insure, this is definitely one that should be at the top of your list.

What Type of Coverage Should You Have?

There are many things to consider when you are getting auto insurance. You need to be sure that you have all of the coverage you need. After all, you never know what is going to happen when you are out on the road. Accidents happen every day, and we can’t always avoid them no matter if we are excellent drivers or not. Of course, the more coverage you have, the more it is going to cost. Some things to consider when buying insurance for a Ford Focus include:

  • Rates
  • Deductibles
  • Coverage

If you own an older model Ford Focus, you may not want to bother having full insurance coverage. After all, it may not be worth it if the car is going to cost too much to fix or repair after an accident. You may want to opt for liability-only coverage if you have an older car, unless you are driving your children around. Then you will want to have full coverage.

Other Factors That Affect Insurance Rates

In addition to the type of vehicle you drive, there are a number of other factors that affect your insurance rates. For instance, if you are a male under 21 years old, you can expect to pay a much higher insurance rate than a woman of the same age would have to pay. This is because statistics show that a good number of auto accidents involve men under 21 years of age. One good way to get a lower rate even if you are a young man is to have your name put on your parents’ insurance plan. This way, when you go out to buy a new Ford Focus, you will have had insurance in your name and your rates may be a bit lower.

Other factors that affect insurance rates include:

  • Marital Status – You are considered to be more mature and therefore less of an insurance risk if you are married and/or have children.
  • Credit Rating – If you have a poor credit rating, it will affect your insurance rates. A good credit rating shows that you are responsible. It is known in the insurance industry as the financial responsibility score.
  • Occupation – The type of job you have can play a part in how much you are going to pay for auto insurance. If you use your vehicle for work, you are going to pay a higher rate.
  • Driving Record – If you have accidents or traffic violations on your driving record, your insurance rate is going to be higher. This is because you have a record of poor driving skills, and the insurance companies don’t want to have to pay out if you have an accident.
  • Multiple Vehicles – If you own more than one vehicle, you can save money by having all of your vehicles covered under the same policy. You may also be able to combine auto, home, and life insurance policies for even more savings.

If you need to have a reliable vehicle, the Ford Focus is an excellent choice. It is a dependable car that is loaded with safety features, and because it has all of these features, it is less expensive to insure than other vehicles. When you decide that it is time to go car shopping, make sure that you look for deals on the Ford Focus. It has a very low sticker price, and you may be able to get other discounts from the dealership if you try hard enough.

 

Average Cost of Car Insurance in Tennessee

Looking to find out what the average cost of car insurance in Tennessee is? Getting your Tennessee state issued driver’s license is a privilege and a responsibility. As a legal driver on the roads of Tennessee, it is important to know the rules of the road as well as your requirements for insurance.

Average Cost of Car Insurance in Tennessee

The requirements for insurance vary from state to state. If you are a new driver or a new legal driving aged resident of the state of Tennessee, it is your responsibility to make sure you meet the necessary insurance requirements. As with any state, it is also a good idea to have more coverage than not enough. As a driver, you really can’t ever have “too much” auto insurance coverage.

Here are some of the basics you should know about getting Tennessee car insurance:

  • At this time drivers do not need to demonstrate proof of auto insurance at the time of registering their vehicle. However, the state does require drivers to have and be able to show proof of financial responsibility when behind the wheel.
  • For the state of Tennessee, the current liability minimum requirements are 25/50/15. This means that you must carry at least $25,000 per person for personal injuries per accident, $50,000 total for all personal injuries of other people per accident, and $15,000 for personal property damage per accident.
  • Tennessee is a state that requires SR-22 for certain high risk drivers. If you are relocating to Tennessee from another state in which you were required to carry SR-22, please check for current regulations concerning this type of insurance for both states. SR-22 can be required for up to a total of from years from the date of your suspension. It is important to keep your required SR-22 for the amount of time mandated in order to continue to drive legally in any state.

Knowing About Average Rates

The average rates of auto insurance coverage in Tennessee can depend on a variety of factors. Some of what can impact your policy rates in any state include, but are not limited to:

  • Age and driving record
  • Marital status
  • Type of car being insured
  • Whether or not the vehicle is financed
  • Extra safety or anti-theft features
  • Where the car is parked when it is not being driven
  • Plus so much more

In fact, even your zip code can impact the type of insurance rates you may be paying. Why is this? When your rates are determined, policy providers can even take factors into account such as the rate of accidents or the amount of road work for that particular area. Looking at the average rates from last year, Tennessee is below the national average. For a single driver with a healthy driving record, the average premium costs for the minimum state requirements are about $55 a month.

Things to Keep in Mind for Insurance

Although the state of Tennessee has minimum requirements for the liability you must carry, it is always a good idea to carry a policy for over that amount. Keep in mind that if you are the at fault driver in a vehicular accident, any expenses for injury or property damage over the amount you carry means you will be paying for this out of your own pocket.

You should also keep in mind that liability auto coverage means that you are able to demonstrate financial responsibility for other drivers, passengers, or persons and property involved in an accident but not your own injury or property. In other words, if you don’t have more than the state required coverage, you will be responsible for any medical bills you incur as well as damage to your own vehicle.

It is important to keep your car insurance in good standing and without any lapses, if possible. If you allow your policy to lapse for too long, you could be facing higher rates when you do get around to renewing a policy. In most cases, any lapse in some sort of coverage for greater than 30 days puts you in a high risk driver category as an uninsured driver.

Even if you do not have a car for a while, you should check with your policy provider about what type of minimal insurance you can carry just to keep up with current coverage. In many cases, you can at least carry a policy that would cover you for something like a rental or borrowed car. Either way, you should make it a point to have some type of coverage so you don’t face steep rates when you do try to get insurance after a lapse.

It is also not a good idea to let anyone drive your car unless you know your auto policy or theirs will cover it. Many car owners make the mistake of assuming their auto coverage includes any driver of their vehicle. You don’t want to find out after someone borrows your car and has even a minor accident that your car insurance won’t cover it. In other words, make sure you understand your car insurance policy and what it will and won’t cover in the event of an accident.

Above all else, work hard to keep your driving record clean or improve it if it needs repair. This is one of the best ways to get good rates. Another way to get low cost car insurance in Tennessee is to get your FREE quotes. With just your zip code, you can get your quotes today and make sure you get the coverage you need.

 

 

Average Cost of Car Insurance in Indiana

Researching the average cost of car insurance in Indiana is a good first step towards being a responsible driver. Before driving legally on the roads of Indiana, or any state for that matter, it is important to know a little bit about what the state requirements are. Being caught driving without proof of insurance or having an accident and not having the state minimum requirements can cause serious problems.

If you are a new driver or a new driving aged resident to the state of Indiana, it is your responsibility to find out what the current state requirements are. Keep in mind that even if you are without a car, it is important to keep a policy of some sort in place. Get the minimum required in order to rent or borrow a car and avoid having a lapse of more than 30 days in your policy or you will be considered a higher risk driver.

Average Cost of Car Insurance in Indiana

About Indiana Requirements

Remember, you should check with your state, your policy provider, or your potential provider to find out all of the up-to-date auto insurance coverage requirements for the state of Indiana. Presently, some of what can be expected for your coverage requirements includes:

  • Indiana requires its drivers to carry at least a liability car insurance policy in order to drive legally. Liability coverage means that in the event of an accident in which you are deemed the at fault driver, your policy covers other drivers, passengers, persons, and property. Remember, though, if you want to make sure your own potential medical expenses and property are covered, you will need more than the state minimum.
  • The current Indiana liability minimum is 25/50/10. The first number represents the $25,000 minimum your policy must include that covers each person’s medical or death related expenses in the event of an accident in which you are the at fault driver. The second number is the total amount for all injuries for other people that you must have, which would be at least $50,000 in Indiana. Finally, the last number means you must carry a minimum of $10,000 for coverage for property damage caused in an accident in which you are the at fault driver.
  • In the state of Indiana, if you are caught driving without auto insurance coverage in place, your driver’s license will be under suspension for 90 days along with additional fines. For a first time offense, the financial penalty includes a $150 reinstatement fee. A second offense is a $225 reinstatement fee, and a third offense is a $300 reinstatement fee. Any driver caught violating the Indiana state car insurance laws twice within a year will be penalized by losing their driver’s license and driving privileges for a year.

Getting Your Indiana Auto Insurance Policy

When it comes to getting your auto insurance policy coverage in the state of Indiana, there are many things that can impact the average costs. Some of what policy providers can check or consider in order to evaluate your rates in the state of Indiana includes:

  • Personal Credit History
  • Age and Gender
  • Type & Use of Car
  • Claims History & Driving Record
  • Marital Status
  • Plus many more possible considerations

Even where you house the car when it is not in use can impact your rates. For example, some companies may offer lower car insurance premiums if you keep your car in a garage as opposed to outside and exposed to the elements or potential vandalism or theft.

Even your zip code within the state of Indiana can affect your rates. Your zip code lets a company evaluate the rate of vehicular accidents, criminal activity, road construction, and other things unique to different areas of the state. So if you are considering more than one possible area to move to within the state of Indiana, you may want to check to see what your auto coverage rates would be in the different areas.

Getting your car information changed once you move is important to do fairly quickly after you move. You will need to register your vehicle, get a new Indiana state issued driver’s license, and, of course, change your car insurance. Remember, it is very important to make sure you have at least the minimum required for the state you live in and also to avoid having any lapses in your coverage for any reason.

The best way to find out what the average cost of car insurance in Indiana is would be to get your FREE quotes today. With just your zip code, you can get competitive rates on policy coverage costs right away.