Says What You Drive Influences What You Pay in Auto Insurance Premiums

Jan 07, 2010, 19:08 ET from

ORLANDO, Fla., Jan. 7 /PRNewswire/ -- If you are looking to save money on your auto insurance, think before you buy that next vehicle you drive. Now we cannot look into a crystal ball and see the future, but we can lower our auto insurance. The key is to look past the sticker price of a vehicle as that is not always an indication that you will be able to get cheap car insurance . Some of the key factors besides driving record on insurance rates are crash tests, theft rates, and whether it has additional safety devices installed. These are all guidelines that you will want to look at if you want to lower your auto insurance rates. Here are three key things you will also need to look at:

Sporty or high performance vehicles very rarely do well in crash tests and are sought after by thieves. This means repair costs are expensive on these vehicles, so avoiding these types of vehicles is a good idea. It will save you on your auto insurance rates.

Does bigger always mean better? Well when it comes to safety that could be true, but in saving you money the answer is no. SUV's and large trucks are generally as a rule safer, but getting them repaired will cost you more. This means auto insurance rates are generally higher, so smaller is better in this case.

Auto insurance companies look at family friendly vehicles in a much different light than other vehicles. Minivans, station wagons, and family sedans tend to get you lower auto insurance rates. The main reason is insurance companies feel these types of drivers tend to be less of a risk to insure. Thus, many times get lower rates. As you can see, what you drive does have a bearing on your auto insurance rates so that is something you will need to consider. Before you decide on that SUV or sports car, think about how much insurance may cost you.