When you buy a car, your monthly lease isn’t the only expense you have to worry about. Insurance can also skyrocket. Here are the cheapest used cars to insure and why they’re cheaper.
If you’ve ever been responsible for ensuring a car, you’ve probably heard the urban legend that car insurance companies jack up insurance rates for red cars. That’s not true. Your insurance company has no idea what color your car is.
But some cars are cheaper to insure.
There are some used cars that cost more than others. So what are the cheapest used cars to insure? Read on to find out more.
Why Some Cars Cost More to Insure
While the urban legend about the red car isn’t true, there is some hidden truth in the myth.
There are some cars that are going to cost more to insurance companies. That’s because insurance companies are data-driven. If they think that owning a particular car means you’re inherently more reckless than you should be, they’ll charge you accordingly.
One example is a sports car. Their numbers say that people who drive sports cars tend to be riskier-than-average drivers.
Luxury cars can also come equipped with high insurance rates. This is mostly because any damage done to the car is going to be more expensive to repair, and replacement is not going to be cheap either.
That doesn’t mean that inexpensive cars are less expensive to insure as a rule, though. One-third of insurance payouts go towards vehicle theft. The most stolen cars in America are Honda Accords and Civics.
Those aren’t exactly luxury sports cars, right?
If your car is one of the most popular targets for thieves, your insurance is going to be higher.
And lastly, your insurance company considers a bigger car to be more of a liability than a small one. That’s because a huge vehicle might be safe for you, it’s less safe for anything you might crash into.
You see, your insurance doesn’t just cover you. It covers you and the damage that you do to someone or something else.
The Cheapest Used Cars to Insure
Here’s a list of the cheapest cars to insure, ranked by estimated annual premium cost.
- Honda CR-V ($1,440 per year)
- Chrysler PT Cruiser ($1,440 per year)
- Ford Taurus ($1,452 per year)
- Dodge Caravan ($1,464 per year)
- Toyota Tacoma ($1,464 per year)
- Toyota RAV4 ($1,464 per year)
- Toyota Prius ($1,488 per year)
- Dodge Grand Caravan ($1,512 per year)
- Hyundai Santa Fe ($1,515 per year)
- Ford Escape ($1,515 per year)
It’s worth pointing out that the main thing insurance companies look at before selling you insurance is you. They pay attention to how safely you drive, how many moving violations you’ve gotten, and whether or not you’ve been in any accidents.
If your driving record is a mess, your premiums will be higher even if you get one of the cheapest vehicles to insure.
Why They’re More Affordable
Insurance companies set their prices based on large “pools” of drivers. If one vehicle gets into a plot of accidents, everyone who drives that particular vehicle will need to pay more money.
There are a few other factors that might go into making these cars seem less risky than others.
They’re family cars, for starters. These are all cars you’re likely to see around a neighborhood toting a few children around.
But this isn’t the only factor. Take the Honda Accord, for example. They were one of the most stolen cars in 2016, making them one of the more expensive cars to insure.
These cars are also inexpensive to repair. This is an important factor when choosing a used car that might seem to need more repair than a new one.
However, used car insurance operates the same way new car insurance does. And there are many factors that go into insuring a car.
Your used car’s safety rating is going to affect your premium. If the car you want to buy has a high safety rating, you’ll get a good rate. The safety rating depends on how likely a passenger is going to be hurt in an accident. So when you’re shopping for used cars, look for those with safety …
Buying a used car can be a rewarding experience. However, sometimes you end up getting a bad deal if you’re not careful. With so many cars to choose from its easy to make a decision very quickly. This is the biggest mistake that someone will make when looking for a used car to buy. If you’re not careful with your purchase decision it could end up costing you thousands of dollars.
The YouTube Strategy
If you are new to buying used cars the first thing you should do is find some one that is knowledgeable in cars. It’s almost like having a mentor in business, doing the same in making a purchase decision for an automobile is a wise move. If you cannot find someone that knows a lot about cars the next best option is to go on Youtube and search for something like “how to buy a used car” or something like that. If you are taking advice from one of these YouTubers, make sure you read the comments first. If you see many people are disagreeing with what was said in the video then chances are the information is incorrect. However, if you see lots of people agreeing with the video and commenting in a positive manner then it would be logical to assume that the information provided is good.
You can also find some information on buying a used car on blogs. There are many web sites online that talk about cars in general and I’m sure you can find some categories on car buying. Compare the information you find on the web site to what others are saying on Youtube.
When you are ready to buy and have all the information you need the next thing you will need to consider is financing and insurance. If you need to finance a car visit your bank and ask them how much you qualify for a loan. Most used car dealerships will be able to get financing for you on the spot but you really should check with your bank first to avoid disappointment. For insurance, if you already have an insurance company on a car that you own you can call them and get an estimate on the car you want to buy. Some people get shocked when they find out what the difference in rates can be on different cars. If you don’t have an insurance company there are tools online that help you find the best rate. Use these to get an overall idea of how much you might have to pay for the car you want to buy.
Private or Dealership?
You should consider both used car dealerships and private sale. If you have a certain car in mind which you should, do some research on the prices of these cars and include things such as mileage and features. You will see that this same car of the same year may have a large discrepancy in price. This could be a result of many of reasons such as mileage and general condition of the car.
If you’re going to be buying a used car from a dealership they may offer you a warranty or included with the purchase price. This is a good option to have as it will give you peace of mind. Make sure that you have any car that you want to buy checked out thoroughly by a mechanic. There could be hidden problems which you may not know about and even if you have a warranty from the used car dealership it may not cover those issues.
Buying a used car can save you a ton of money when comparing the prices of new cars. Keep in mind the older the car the more chances of things going wrong so it’s best to buy a car that is no more than five years old. If you are handy with cars and plan on doing mechanical work yourself then really age of the vehicle should not matter. Best of luck in your search for a used car.…
Buying or selling cars online is one of the easiest and most cost-effective ways of upgrade your car. You can sell your car without stress or find the next care of your dream.
If you are buying a car, researching online will be beneficial to you. You do not need to spend time and money searching for a car to buy. You can visit the website and see the pictures of the vehicle, important information about it, as well as the price. A written description of the car is included to give you a clear idea of its current condition if it is sold as a used car.
Now, if you’re only looking to upgrade the car you already have make sure you look for quality promo codes for auto parts. There are always good deals available for the major auto parts stores online.…
Transmission Repairs can Break The Bank
Transmission service and repair is anything but cheap. Therefore, when you choose a repair shop you had better ensure it is a choice you will not regret. On average, a transmission repair cost will range between $1000 to $4000. The last thing you want after paying this much is a slipshod service and you end up with transmission problems, again.
Poor repairs mean you end up spending more and unfortunately, the problem does not end. You must choose right and in most case pay the price for a good service. To cut the chase, there are a few things you must look into before settling for your clutches and transmission repairs shop.
Ask for recommendations
You are not the only one who owns a car. Your family, friends, and neighbors own one too and they must have experienced transmission problems. Ask them for recommendations for they may know some great repair shops. Your interest should be on their experience, how much they paid and if they got excellent customer service. If yes, you may not have to search any farther.
Keep away from cheap and over-the-top repair services
Well, repairs are not cheap. But this does not mean you have to pay an arm and leg for your car. Any shop charging expensively may not be honest. Can they really account for that exaggerated figure in what they will tackle in your car? Probably not.
On the other hand, cheap begets cheap. Be on the lookout for shops that charge low prices. What they never tell you is that their services are of low quality. A moderate transmission repair price is what you should go for. You can be sure of satisfying work done on your vehicle.
Anyone with spanners and greasy apron can claim to be a mechanic (after all, those are their tools of trade). But would you trust just anyone to work on your car’s transmission? No way. You have to check and ascertain that the mechanics are certified by the relevant national or state body. If they are, you can relax knowing that your car is in the best hands. This is someone who is trained for the job, has impressive experience in the field, and most importantly is passionate about their work.
Get an estimate
Have you ever taken your car for transmission repair and the mechanic has no clue of how much it will cost beforehand? You had better run because you are in the wrong shop. A great repair shop can diagnose your car’s transmission problem and tell you how much it will cost. That is a professional who knows their job. Getting an estimate even works to your advantage: you will not be slapped with surprise repair fees when all is done.
From looking around, you can tell whether a repair shop is good for your car. A clean and well-organized space is a good sign of professionalism. Bit off or sleazy shops should not even be in your list of consideration. But you may have to look deeper than the good appearance of a potential repair shop.
If you take your car seriously, as everyone does, you will not be taking chances when you are looking for a transmission repair center. It has to be certified mechanics, clean and organized shop, and the right price for the job.
Vehicles of NASCAR Racing
Ever wondered exactly what makes the cars and trucks of NASCAR racing different from those streetcars we see around? What are the characteristics in location inside a NASCAR racing car? At the outset, racing was done on dirt tracks. These roadways were rough on automobiles. This is why NASCAR has allowed modification to be made on vehicles for NASCAR racing purposes. Modifications through the times have actually been both for security and competitors functions. These modifications however are governed by NASCAR guidelines and are examined at every race. NASCAR racing vehicles are basically custom built with all information about the car body, fame and engine. The safety element of these vehicles begins primarily on the design of the frame. Composed generally of 3 parts, the middle section of the frame is made from harder product in order to safeguard the chauffeur.
Racing Car Frames
The front and back part of the frames are made of thinner steel tubing to absorb the impact of a crash. Other security gadgets positioned on NASCAR racing automobiles are air bags, seatbelts, window internet, roofing flaps, etc. All these are finished with the security of the driver in mind. Then to the more intriguing concern, why do these NASCAR racing cars and trucks run so quickly? With no turbochargers, these automobiles have 750 horse power and would go as fast as 200 mph. This speed can be attributed to the big engines these racing automobiles are packed with. Also the engines have exceptionally extreme camera profiles, which will allow more air into the cylinders at really high speeds. These NASCAR racing cars and trucks have carburetors that can let in an excellent amount of air and fuel. They have ignition systems that can allow for spark timing for optimal power. Subsystems in the automobile like oil & & steering pumps, coolant pumps, alternators, etc, are developed for sustained high-speed racing and high temperatures. Quality requirements are extremely high, as these NASCAR racing cars and trucks require that every part should be made with exacting tolerances so that the engines will be able to deliver the optimum power it can provide out. These are important to have a winning edge over the competition. NASCAR racing automobiles interest the fans with their sleek appeal, their affinity for speed, and their security style. So the next time you are a viewer of a NASCAR race, you have a respectable concept why these effective & properly designed devices go so fiercely fast on the tracks.
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