There are several reasons that it can actually pay you to have defensive driving training. Reducing your car insurance quote might be the best reason. Car insurance rates are based upon numerical scrutiny of information about a particular area. Insurance providers use this information when they sell a policy. The occasion of fewer accidents can help to lower the insurance rates. One way to prevent drivers from having an accident is by taking a course in defensive driving.

Before you buy a new or used car the question that comes to mind is what are the cheapest cars to insure?

Car insurance is meant to provide cover for vehicle damage or vehicle loss. Therefore the easier it is to replace and repair the lowest the car insurance premium is.

Value of the Car

The biggest factor to affect your car insurance premium costs is the value of the car you would like to insure. The more expensive the car, the more expensive the car insurance premiums will be.

Should the car get stolen or damaged to a point beyond repair, the car insurance provider will have to reimburse the insured for the value of the car.

In general, sports cars and other high-performance, flashy vehicles are classified as higher risks because they are common targets for thieves and vandals, and because statistically, the people who own them tend to drive more recklessly.

Vehicle parts

An aspect often overlooked by the car owner is the availability and cost of vehicle parts. The more expensive the parts and components needed to repair your vehicle the more expensive the car insurance premium.

The cheapest cars to insure are the low profile cars that are less expensive and easy to find and also have more affordable parts needed for their repair.

Imported or Locally Manufactured

Be careful before buying an imported or exotic car – these cars are more costly to replace and as a result more expensive to insure. Check with your car insurance company beforehand if you plan to purchase an imported car – this might avoid nasty financial surprises!

Safety Features

With crime being such a threat to car ownership, the car insurance companies will regard vehicle safety features as very important. Most cars come with upgradeable options that cost additional money, but increase the car’s safety. A theft prevention security system and safety gear in your vehicle could reduce premiums. Modern safety measures such as DataDot technology as a security measure that could find favour with your insurer.

You can qualify for a discount on many policies if you have air bags, automatic seat belts, anti-lock brakes and daytime running lights. This could help prevent theft and accidents and they lower the potential damage in the event an accident occurs.

Extras

If expensive extras are built into the vehicle such as GPS and sound systems, this will also increase the insurance costs. Modifications and enhancements could not only create the impression of higher accident risk but will also increase your car insurance premium.

Remember that flashy sound systems or modifications might make your car more attractive to thieves – this could lead to a higher car insurance premium.

Colour of the vehicle

Even the colour of your car could have an effect on the car insurance premium. Insurers sometimes charge slightly higher premiums for darker colours (think black and navy blue) than for lighter cars (like white). [Some experts believe that darker colours can be more difficult to see in the dark or in bad light conditions, and are thus involved in more accidents.]

Car and Crime Statistics

Car insurers will analyse historical car and crime statistics and seek to find which type of vehicle is more likely to be stolen or involved in an auto accident. These cars, which are un-proportionately stolen or involved in accidents, tend to cost much more to insure than average cars.

Getting cheaper car insurance requires a lot of thought and some research and planning. With the right mindset it is possible for the vehicle owner to get a cheaper car insurance premium!