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Choosing a high performance sports car with a V8 under the hood is one of the surest ways to drive your car insurance premiums through the roof. Instead, looks for a more subtle sporty model, perhaps a four door instead of a two door coup. Check Car and Driver magazine for a list of the best performing, low risk vehicles, and be sure to keep the nitro package off your financing paperwork.Color Means Money
It’s not that the color red makes a car go faster, but insurance adjusters have learned that drivers who drive a red vehicle have the highest rate of being pulled over for moving violations. It could be that you’re driving an economy Fiat or a station wagon- it simply doesn’t matter. The fact that you’ve chosen a red color means you have a tendency, as far as the adjusters are concerned, for speeds over the posted limit. Stick your color choices to black, white, or blue to keep your insurance rates low.Additional Factors
Performance indicators aside, in order to keep your car insurance rates low, choose vehicles with good gas mileage. This is an indication to your insurance company that you take consideration in your choices and want to get the best value out of your vehicle. It also demonstrates responsibility and reliability. Drivers who actively seek lower emission and low gas mileage vehicles are less likely to get into accidents or pull a ticker for a speeding violation.Also, be wary of where you park you vehicle at night. It could be that your insurance adjuster feels you might be parking in a neighborhood with a high risk of theft. If so, look to have your vehicle placed in a garage when idle, or simply move to a different area. The focus is to reduce your rates, and this most surely will help do the trick.
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