New Car Insurance

Safe driving

If you want to drive, all states require you to have a minimum amount of insurance coverage. In nearly all of these states, this insurance requires liability, so you'll be should you cause someone injury or damaging their property.

If you're financing or leasing your new vehicle, most insurance companies will insist you fully cover it. Their concern is if the vehicle is written off, you won't continue to make the payments you owe. Fully insuring the vehicle guarantees that the cost of the vehicle will be covered.

The amount you pay for insurance will depend on the type of car you drive, your driving history and the amount of insurance or options you select.

Save Money

Some easy ways to save money on insurance include:

• Raise your deductible. The deductible is the amount you're required to pay before your insurance coverage starts. If your deductible is $500, you're responsible to pay for any repairs that cost under and including that amount, while anything over will be covered by the insurance company. If you raise your deductible, your insurance rates go down, because the company is responsible for less money.
• Get the right rate. Most insurance companies offer discounts or special rates for drivers with good records, those who have taken driver training, older drivers or those with more experience. Make sure you're getting the best rate for your situation, and that you're receiving any discounts you're entitled to.
• Get the right vehicle. Choose a vehicle that the insurance company thinks is a safe bet. That means choosing one that isn't expensive to repair, isn't common on the road (and so isn't found in as many accidents) and isn't a high theft risk. Also, make sure your policy is accurate in regards to your vehicle - a simple data entry error can mean hundreds of dollars difference in your insurance premium.
• Comparison shop. You wouldn't pay more money than you need to for the car you choose, so why would you pay more for the insurance? Different companies have different rates, and some may offer discounts or special rates that better suit your situation. Make sure you shop around before you commit.
• Don't file small claims. If you crack your windshield and it's going to cost a couple hundred dollars to fix, you'll probably want to pay for it yourself. In fact, any repairs that are only a couple of hundred of dollars more than your deductible aren't worth claiming. You'll end up spending more on your future insurance premium as a driver with a claim than you would just paying for the damage.

It used to be we could depend on the reputation and reliability of North American cars to meet our standards - but could it be the times are changing? Here in the U.S., overseas models are continuing to rise in popularity. Find out why!

PIMP IT

If you love your car, you’ve got treat it right – stock will never do for your hot wheels! Whether it’s for performance or just for the look, aftermarket parts can turn that car you just brought home into your own pimp ride.