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Which Cars have Cheaper Insurance?


Insurance is required for any car that operates on the roads, we all know that.

We all try to shop and negotiate for the lowest insurance rates for our motor vehicles. You need to know that insurers consider so many aspects of your motor vehicle before insuring it. Would you like to know which cars have cheaper insurance? Read on to be on the know. In our field of work, as an insurance  agency, we have taken time to research and come up with an analysis we rely on when selling insurance to different car owners. We spent so much of our time to come up with a detailed research on what an actuary would consider when allocating premium on a particular car make and/or model.

Our agency takes you step by step hoping that by the time you read through, you will have obtained substantial knowledge on which cars attract cheaper insurance. When deciding on the premium to charge a car, an actuary considers the age of the driver, the car performance in relation to acceleration, costs of repairs and costs of the car spare parts. The security measures installed and the cost of the motor vehicle as well play a great role in insurance premium allocation. More premium is charged to a young and novice driver because, s/he has a higher probability of causing an accident as compared to a more experienced driver. A motor vehicles cost of repairs highly determines the category of car insurance it is placed. Cars with expensive spare parts and longer repair periods attract higher premiums. In case of any accidental damages or theft, such cars repair costs would be expensive. To know which cars have high repair costs and spare parts, please click here(insert link). 

Ever considered how taking security measures like installing; tracking device, alarm, immobilizers and high security lock to your car would save you substantial amounts of money? Installation of inbuilt security measures by manufacturers would ensure that in case of theft, your car would fail to move or will be recoverable. Due to the reduced possibility of unrecoverable loss, the insurance premium charged to you will be cheaper. Cheaper motor vehicles further attract less insurance. Cheaper cars have cheaper spare parts and take shorter periods of time in the garage for repairs, which makes insurance premium charged cheaper. Statistical history of insurance claims has found out that, motor 
vehicles with high engine performance that can result to faster speeds 
have a high claim rates compared to cars with lower performance. Lower performance cars get charged cheaper insurance premiums due to their lower accident risk.

Why pay more insurance premium yet you can get cheaper insurance for your motor vehicle by being a safer driver, installing car se
curity, observing traffic rules and contacting our reputable Insurance Agency?

You can save some dollars every year by contracting us to be your adviser and insurance agency for your motor vehicle insurance.

Click here for a quote and let's see just how low we can get your car insurance rates. 

Posted 9:47 AM

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