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Car Insurance Discounts & Tips That Can Lower Your Car Insurance Rates....Whether Your Car Is Brand-New or 10 Years-Old.




REVIEW FIRST...THEN GET YOUR POLICY OUT


Two things - One, review all of the this Guide before you shop for lower Car Insurance Rates.

And two, make sure you have your current Car Insurance Policy handy - specifically the Declarations Page.  It's usually the first page of the Policy and it shows what coverage you have now....and what you're paying for that coverage.  After all, it's tough to save any money if you don't know what you're spending now.

Can't find your Declarations Page?  Call your Insurance Company and get one - they'll be happy to help.

In the meantime, keep on reading.




AIR BAGS and AUTOMATIC SEAT BELTS


Automatic seat belts are those annoying belts that choke you when you close your car door.  Some companies might discount up to 30% off Personal Injury Protection and Medical Payments coverage if the driver and passenger sides have air bags and automatic seat belts.  Discounted rates are given because the insurance company knows you'll be belted in every time you get in, so your risk of injury in a crash is much less than someone who doesn't wear a seat belt.


If you have side-air bags and/or Head Curtain Air bags for the front and rear, your car insurance rates will be discounted even further.




IF I TOTAL MY CAR....


If you wreck your Car, Truck, Van or SUV, and it's "Totaled" by the insurance company, what happens?  For most, the Insurance Company will notify you that your vehicle was a total loss.  Then the fun begins.  Most car insurance companies only pay you what the vehicle was valued at - at the time of the accident -  not what you owe.

Even if you owe $10,000 - $25,000 more than what's it's worth, all you're going to get from the Insurance Company is the vehicles current value.  And sorry to say, that's the case with more than 97% of all car insurance policies written.  Go ahead - read your current policy - I bet it says  "actual cash value" which actually means "current value" only.

The next time you buy a car or truck, either put 30% down, or inquire about Gap Insurance.  Every last dime owed to the Bank is paid - and sometimes more.  Ask your Insurance Companies & others if they offer Gap Insurance.  It should cost between $200 - $300 for the 4 or 5 years you're paying for the new vehicle.  After that, cancel the coverage.  If their Monthly Premium is competitive, and they offer Gap Insurance, jump all over it.

If you're in the market for a new vehicle, or have had your car or truck for less than a year, take a few minutes and learn a little more about Gap Insurance.

If you still owe a ton of money on your car, it might be wise to investigate Gap Insurance.







ANTI-THEFT/ALARM/TRACKING UNIT WILL LOWER YOUR CAR INSURANCE RATES


Some car companies give discounted rates on your Comprehensive premium when an active anti-theft device is present.  This usually means a Car/Burglar alarm.  Some companies may even give you more of a discount if the alarm sets itself automatically when you turn your vehicle off.  I've seen up to a 5% discount and though it doesn't sound like much, if it's combined with the other discounts it certainly helps make a larger dent in your monthly car insurance rates.  And if you have a Tracking Unit, the Discount Rate is even higher.




** POLICY CHANGES THAT WILL LOWER YOUR CAR INSURANCE RATES **


Do you have 20 Minutes to spare?

How about if it helped slash more than $6,372 off your Car Insurance Rates over the next ten years?  It's THE most important information on this page - Find Out More about lowering your car insurance rates.




ANTI-LOCK BRAKES (ABS) WILL LOWER YOUR CAR INSURANCE RATES


If you have Anti-Lock brakes (ABS), you could get up to a 5% discounted rate on your Bodily Injury and Property Damage coverage.




TRACTION CONTROL WILL LOWER YOUR CAR INSURANCE RATES


As more and more cars, trucks, vans and SUV's offer this, more and more insurance companies are giving small discounts for having it.




ALL-WHEEL DRIVE (AWD) WILL LOWER YOUR CAR INSURANCE RATES


Along with ABS, one the best safety inventions to be mass-produced in a long time - see if there is a discounted rate for having all-wheel-drive.




STABILITY CONTROL WILL LOWER YOUR CAR INSURANCE RATES


At the outer-limits of you Tires usefulness, this system help keep your vehicle "On the Pavement".  Make sure to check if you can get lower car insurance rates for this.




RUNNING LIGHTS WILL LOWER YOUR CAR INSURANCE RATES


Some say that Daytime Running Lights reduce the risk of an accident by almost 10% - ask about a discount.




DRIVING SCHOOL WILL LOWER YOUR CAR INSURANCE RATES


Some Car Insurance Companies give young drivers (under age 25), who finish a State approved Drivers Ed class, up to 10% off on Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection and Collision coverage -- Mom's and Dad's....check this out to see if it will lower your car insurance rates!




SAFE DRIVER STATUS WILL LOWER YOUR CAR INSURANCE RATES


If you're a safe driver (usually 3 years with no points/infractions) you'll qualify for additional savings.  Your Car Insurance Company should let you know usually with a statement on your Bill that says something like "Your Premium reflects the maximum discount allowed for safe drivers".  If it's been 3 years with no incidents, pick-up the phone and ask to get your rates lowered.




GOOD STUDENT STATUS WILL LOWER YOUR CAR INSURANCE RATES


Do you have kids? Are they on your Car Insurance Policy? Are they good students?

Well, what are you waiting for - Find out what kind of Discounted Rate you can get!




MULTI-CAR or HOME & CAR POLICY WILL LOWER YOUR CAR INSURANCE RATES


If you insure 2 or more vehicles on the same insurance policy, there are insurance companies that will give you a discounted rate for multiple vehicles.  And it might get a whole lot better if you insure your Home or Apartment with them as well.




SAFE VEHICLE - SAFE LISTS STATUS WILL LOWER YOUR CAR INSURANCE RATES


Many Auto Insurance Companies classify certain cars as "Safe Cars", which means there is information in their Files, or in the Governments Files, that says there is less of a risk (injury or death) by the way a vehicle is designed & built.  Ask if your vehicle is on the "Safe" list. 

And if you're looking to buy a new vehicle make sure you check out Safety Ratings - there is a huge difference....and it could cost you or a loved-one their life.




PARKING IT IN THE GARAGE WILL LOWER YOUR CAR INSURANCE RATES


Make sure you check your Car Insurance Policy to make sure you're getting a small discount for parking your car in your garage at night.  Don't see a discounted rate anywhere?  Pick up the phone and ask your insurance company about it.












I do have an obligation to point out that not all Car Makers, Dealers, Salespeople, Insurance Companies and Banks are greedy or crooked.  This site is dedicated to honest Companies and their Professional Employees who've grown weary of the ignorant and classless giving the automotive related industry a black eye......a black eye that I feel is very close to being permanent.

By using these new and used car guides, I hope to be able to help you find the Best Businesses, and the Professionals that represent them, with very little effort on your part and help you....

Save More Money and More Time Than You Ever Have Before.

It is also my hope that these Companies and the Professionals that represent them will have more business than they can handle - a reward they justly deserve.

Thank you for visiting My New Car Purchase - and please take 5 seconds to or perhaps let a friend or relative know about us - Click here to send this page to a friend.

I guarantee that you will have an exceptional experience the next time you buy a car, van, truck or SUV - again, thank you for visiting this Web Site!

Tom O'Leary  - "A Concerned Dad....and Automotive Analyst"

New Car Purchase - Exceptional New Car Purchase Advice and Automobile Purchase Strategies for your next new car or used automobile purchase.

Feel free to e-mail me at: Tom at my new car purchase (no spaces) dot com - or take a few seconds to send a question or comment by Clicking here

P.S. Make sure you check out the My New Car Purchase Blog.

To see specific information on how to have the best new car purchase you've ever had, click on the My New Car Purchase links listed below.








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Best & Worst Picks
 For 2006 - 2007
Cars, Trucks, Vans & SUVs

Best Picks for  2006 - 2007*




    NSX
    MDX
    RSX
    RL
    TL
    TSX
    A4
    A6
    TT
    5 Series
    6 Series
    325 Series
    330 Series
    X3
    7 Series
    X5 Series
    Z4
    Rainier
    XLR
    CTS
    SRX
    STS
    Corvette
    Monte Carlo
    SSR
    K1500 Silverado Pickup
    Avalanche
    K2500 Silverado HD Pickup
    K3500 Silverado Pickup
    Trailblazer
    Colorado Pickup
    Equinox
    Express Cargo Van
    Suburban
    Tahoe
    Pacifica
    Town & Country
    Crossfire
    PT Cruiser
    300 Series
    Viper
    Dakota Pickup
    Durango
    RAM 1500 Series Pickup
    RAM 2500 Series Pickup
    RAM 3500 Series Pickup
    Freestyle
    Five Hundred
    Mustang
    Thunderbird
    F150 Series Pickup
    F250 Super Duty Pickup
    F350 Super Duty Pickup
    Econoline Van
    Econoline Wagon
    Escape
    Excursion
    Expedition
    Explorer
    Ranger Pickup
    K1500 Sierra Pickup
    K2500 Sierra HD Pickup
    K3500 Sierra Pickup
    Savana Cargo Van
    Yukon
    Canyon Pickup
    Envoy
    Yukon XL
    Pilot
    CR-V
    Accord
    Civic
    Element
    Odyssey
    S2000
    Ridgeline
    H2
    Santa Fe
    Tucson
    FX
    G35
    Q45
    QX56
    S-Type
    X-Type
    Grand Cherokee
    Liberty
    Wrangler
    Sedona
    Sorento

    LR3
    Range Rover
    ES330
    GX470
    RX330
    SC430
    GS300
    GS430
    IS300
    LS430
    LX470
    Aviator
    LS
    Navigator
    Town Car
    MPV
    Tribute
    Mazda 3
    Mazda 6
    Mazda Truck
    Miata
    RX-8
    CLK Class
    E-Class
    SLK-Class
    C-Class
    CL-Class
    M-Class
    S-Class
    SL-Class
    Mariner
    Montego
    Monterey
    Cooper
    Altima
    Murano
    Maxima
    Pathfinder
    Titan
    Armada
    Quest
    Sentra
    350Z
    Grand Prix
    GTO
    Vibe
    911 Carrera
    GT2
    911 Carrera 4
    911 Turbo
    Cayenne
    9-2x Series
    9-3 Convertible
    9-3 Series
    9-5 Series
    Vue
    xA
    xB
    tC
    Impreza
    Outback
    Outback Sport
    Baja
    Forester
    Legacy
    4Runner
    Highlander
    Sequoia
    Tundra
    Camry
    Solara
    LandCruiser
    Camry
    Celica
    Corolla
    Matrix
    MR2
    Sienna
    Tacoma Pickup
    New Beetle
    Golf
    GTI
    Jetta
    Passat
    Touareg
    V50
    XC90
    S60 Series
    V70 Series
    S40
    S80 Series


Worst Picks for 2006 - 2007*




    Audi A8
    Buick Century
    Buick LeCrosse
    Buick LeSabre
    BuickPark Avenue
    BuickRendezvous
    BuickTerraza
    Cadillac Deville
    Chevrolet Cobalt
    Chevrolet Aveo
    Chevrolet Cavalier
    Chevrolet Astro Passenger Wagon
    Chevrolet Impala
    Chevrolet Malibu
    Chevrolet Uplander
    Chevrolet Venture
    Chevrolet Astro Cargo Van
    Chevrolet Blazer
    Chevrolet Express Passenger Wagon
    Chevrolet Uplander Cargo Van
    Chevrolet Venture Cargo Van
    Chrysler Sebring
    Chrysler Sebring Convertible
    Dodge Caravan
    Dodge Magnum
    Dodge Stratus
    Dodge Neon
    Dodge Caravan Cargo Van
    Ford Crown Victoria
    Ford Focus
    Ford Freestar
    Ford Taurus
    Ford Freestar Cargo Van
    GMC Safari Cargo Van
    GMC Savana Passenger Wagon
    GMC Safari Passenger Wagon
    Hyundai Accent
    Hyundai Elantra

    Hyundai Sonata
    Hyundai Tiburon
    Hyundai XG350
    Isuzu Ascender
    Jaguar XJ-Series
    Jaguar XK-Series
    Kia Amanti
    Kia Optima
    Kia Rio
    Kia Spectra
    Land Rover Freelander
    Mercedes-Benz G-Class
    Mercury Grand Marquis
    Mercury Mountaineer
    Mercury Sable
    Mitsubishi Eclipse
    Mitsubishi Endeavor
    Mitsubishi Galant
    Mitsubishi Lancer
    Mitsubishi Montero
    Mitsubishi Outlander
    Pontiac Aztek
    Pontiac Bonneville
    Pontiac Grand Am
    Pontiac G6
    Pontiac Montana
    Pontiac Montana SV6
    Saturn Ion
    Saturn L300
    Saturn Relay
    Suzuki Grand Vitara
    Suzuki XL7
    Suzuki Aerio
    Suzuki Forenza
    Suzuki Reno
    Suzuki Verona
    Toyota Echo
    Volkswagen Phaeton


*Comparison Based on Price, Insurance Costs, Finance Costs, Repair Costs, Safety & Resale Values
Best & Worst Picks
 For 2006 - 2007
Cars, Trucks, Vans & SUVs

Best Picks for  2006 - 2007*




    NSX
    MDX
    RSX
    RL
    TL
    TSX
    A4
    A6
    TT
    5 Series
    6 Series
    325 Series
    330 Series
    X3
    7 Series
    X5 Series
    Z4
    Rainier
    XLR
    CTS
    SRX
    STS
    Corvette
    Monte Carlo
    SSR
    K1500 Silverado Pickup
    Avalanche
    K2500 Silverado HD Pickup
    K3500 Silverado Pickup
    Trailblazer
    Colorado Pickup
    Equinox
    Express Cargo Van
    Suburban
    Tahoe
    Pacifica
    Town & Country
    Crossfire
    PT Cruiser
    300 Series
    Viper
    Dakota Pickup
    Durango
    RAM 1500 Series Pickup
    RAM 2500 Series Pickup
    RAM 3500 Series Pickup
    Freestyle
    Five Hundred
    Mustang
    Thunderbird
    F150 Series Pickup
    F250 Super Duty Pickup
    F350 Super Duty Pickup
    Econoline Van
    Econoline Wagon
    Escape
    Excursion
    Expedition
    Explorer
    Ranger Pickup
    K1500 Sierra Pickup
    K2500 Sierra HD Pickup
    K3500 Sierra Pickup
    Savana Cargo Van
    Yukon
    Canyon Pickup
    Envoy
    Yukon XL
    Pilot
    CR-V
    Accord
    Civic
    Element
    Odyssey
    S2000
    Ridgeline
    H2
    Santa Fe
    Tucson
    FX
    G35
    Q45
    QX56
    S-Type
    X-Type
    Grand Cherokee
    Liberty
    Wrangler
    Sedona
    Sorento

    LR3
    Range Rover
    ES330
    GX470
    RX330
    SC430
    GS300
    GS430
    IS300
    LS430
    LX470
    Aviator
    LS
    Navigator
    Town Car
    MPV
    Tribute
    Mazda 3
    Mazda 6
    Mazda Truck
    Miata
    RX-8
    CLK Class
    E-Class
    SLK-Class
    C-Class
    CL-Class
    M-Class
    S-Class
    SL-Class
    Mariner
    Montego
    Monterey
    Cooper
    Altima
    Murano
    Maxima
    Pathfinder
    Titan
    Armada
    Quest
    Sentra
    350Z
    Grand Prix
    GTO
    Vibe
    911 Carrera
    GT2
    911 Carrera 4
    911 Turbo
    Cayenne
    9-2x Series
    9-3 Convertible
    9-3 Series
    9-5 Series
    Vue
    xA
    xB
    tC
    Impreza
    Outback
    Outback Sport
    Baja
    Forester
    Legacy
    4Runner
    Highlander
    Sequoia
    Tundra
    Camry
    Solara
    LandCruiser
    Camry
    Celica
    Corolla
    Matrix
    MR2
    Sienna
    Tacoma Pickup
    New Beetle
    Golf
    GTI
    Jetta
    Passat
    Touareg
    V50
    XC90
    S60 Series
    V70 Series
    S40
    S80 Series


Worst Picks for 2006 - 2007*




    Audi A8
    Buick Century
    Buick LeCrosse
    Buick LeSabre
    BuickPark Avenue
    BuickRendezvous
    BuickTerraza
    Cadillac Deville
    Chevrolet Cobalt
    Chevrolet Aveo
    Chevrolet Cavalier
    Chevrolet Astro Passenger Wagon
    Chevrolet Impala
    Chevrolet Malibu
    Chevrolet Uplander
    Chevrolet Venture
    Chevrolet Astro Cargo Van
    Chevrolet Blazer
    Chevrolet Express Passenger Wagon
    Chevrolet Uplander Cargo Van
    Chevrolet Venture Cargo Van
    Chrysler Sebring
    Chrysler Sebring Convertible
    Dodge Caravan
    Dodge Magnum
    Dodge Stratus
    Dodge Neon
    Dodge Caravan Cargo Van
    Ford Crown Victoria
    Ford Focus
    Ford Freestar
    Ford Taurus
    Ford Freestar Cargo Van
    GMC Safari Cargo Van
    GMC Savana Passenger Wagon
    GMC Safari Passenger Wagon
    Hyundai Accent
    Hyundai Elantra

    Hyundai Sonata
    Hyundai Tiburon
    Hyundai XG350
    Isuzu Ascender
    Jaguar XJ-Series
    Jaguar XK-Series
    Kia Amanti
    Kia Optima
    Kia Rio
    Kia Spectra
    Land Rover Freelander
    Mercedes-Benz G-Class
    Mercury Grand Marquis
    Mercury Mountaineer
    Mercury Sable
    Mitsubishi Eclipse
    Mitsubishi Endeavor
    Mitsubishi Galant
    Mitsubishi Lancer
    Mitsubishi Montero
    Mitsubishi Outlander
    Pontiac Aztek
    Pontiac Bonneville
    Pontiac Grand Am
    Pontiac G6
    Pontiac Montana
    Pontiac Montana SV6
    Saturn Ion
    Saturn L300
    Saturn Relay
    Suzuki Grand Vitara
    Suzuki XL7
    Suzuki Aerio
    Suzuki Forenza
    Suzuki Reno
    Suzuki Verona
    Toyota Echo
    Volkswagen Phaeton


*Comparison Based on Price, Insurance Costs, Finance Costs, Repair Costs, Safety & Resale Values




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