Insuring your new car

Many users are finding that shopping for auto insurance online can help them save thousands of dollars. Carseek.com offers a free service where you can shop rates from multiple insurance carriers for free. If you are buying a new car or just want to see if you can get a better rate than you currently have use our auto insurance quote box and get free quotes. Always shop around and compare rates when buying car insurance.

When you're buying a new car, you don't just look at the color of the paint, or the type of sound system, nor do you focus solely on the power train or the braking system. Instead, you compare all of the features and specifications, ultimately choosing the car that meets the most of your needs.

You should do the same thing when shopping for insurance, comparing companies, policies, and discounts to ensure that you're getting the very best rate you can. CarSeek.com will help you find the companies to compare, but there are specific credits and discounts that you should ask about, before committing to a policy. Here are some of them:

a. Your Driving Record. Most insurance companies give the best rate to people who have not have an accident in the last two or three years (depending on the state in which you live), but some also discount for a completely unblemished driving record, and others offer a deeper discount if you take a defensive driving class without having a ticket to clear. Such a class can also help mitigate the costs of being a teen driver, or having one on your policy.

b. Your Vehicle. It's common knowledge that sports cars and vehicles with performance engines cost more to insure, but you can save money by choosing a vehicle with a conservative profile and lots of safety features. Anti-theft devices, traction and stability control, and rollover prevention technology can save you money, as well as protect you while you're on the road.

c. Your Job. While people in high-risk professions do pay more for all of their insurance (life, medical, and auto), there are some occupations that can garner lower rates. Engineers and teachers generally have discounts available to them that the rest of us do not. As well, if you work for a major corporation, or are a member of a trade union or other professional organization, you may be offered discounted auto insurance as part of the standard benefits package.

d. Your Age. Achieving senior citizen status doesn't just mean a few extra gray hairs or a longer holiday card list. It can also mean getting an insurance discount for being a "senior driver." A side benefit of age is that if you've stayed with the same company for years, you may also get a "persistence" discount as a reward for your loyalty.

e. Your Risk. Increasing your out-of-pocket expenses by taking a higher deductible will keep your premiums low, but it also means you have greater exposure if you do get into a serious accident. As well, you can reduce your coverage if your vehicle is completely paid for (this option isn't available if your car is financed as your lender will require comprehensive coverage to protect their investment).

f. Your Total Package. You can also improve your auto insurance rates by bundling your home, life and auto insurance with the same company. Most insurers will discount for any pair (auto-home or auto-life), and then discount further for the entire package.

You've already used CarSeek.com to help find the right car or truck for your lifestyle. Use these tips, and let us help you find the best insurance package, as well.