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NewsDesk answers:

Crizzy u, I recommend an online insurance quote. It's free and quick to do. Http://www.autoadviceonline.com/Auto-Insurance-Quote.html

NewsDesk answers:

Hello,

Yes, the rates you pay for car insurance do depend on a lot of factors:

Age
City, State
How many previous accidents you've had
Year of vehicle
Make of vehicle

The best thing you can do is actually call up a few of your local car insurance companies and get some ballpark figures. The important thing is, is to find one that you like and trust and who gives you a decent quote.

Your next step would be to go to a car dealership, take the number of the insurance companies who quoted you the best prices along and find a car that you like and can afford. After you take it for a test drive and get as much information as you can such as if it's being sold "as is" or comes with some sort of warranty etc…

Before any money changes hands or you sign any paperwork at the dealership, call the insurance company from the dealership. Give them the specifics of the car. They will then be able to give you a correct insurance quote.

If it's a reasonable quote for you, by the car. If not, find out what year/make of car from the insurer would make the payments lower and ask the salesperson if they have any of those on the lot.

Even when you do obtain insurance, don't be afraid to then further call around or check online for cheaper rates. You can always switch after you obtain the insurance.

I hope this helps you. I wish you good luck in getting a car and insurance.

NewsDesk answers:

I don't think I have any Earth-shaking revelations here, but this is what works for me:
1) Shop around – I found a huge difference in quotes for the same coverage.
2) Elect higher deductibles – if your financial position supports this, go for it.
3) Consider dropping collision coverage on older cars, perhaps even collision AND comprehensive on older cars that are also a second car.
4) Put all your vehicles, or combine home policy and car policy, with one insurer. This may result in further discounts.
5) Check to see if a driver training course will lower your rate. It may pay for the course in a short period of time.
6) Drive carefully! You'll reduce your chance of an accident that may affect your rates.

NewsDesk answers:

They have been doing it for years and have shown in court that people with bad credit have more claims.

Is it right? Well that can go both ways. Insurance companies want to predict who is going to have claims and make them pay more and reward people who are not going to have claims. They work up very complex equations to help predict this and credit is one little part of it.

On the other hand, people that typically have bad credit are young (teenagers have no credit), minorities, and 'poor' people. So are insurance companies discriminating against these groups? Well the insurance industry says that they do not care what the demographics of the groups are. Their statistics show that their equations identify who is going to have an accident (or put in a claim).

So… What is the answer. It will take a few years but some states have passed laws that ban the companies from using credit in their equations. In a few years we will see if their new 'equations' work as well as the equations that have credit in them. If they do, then many states will be passing laws to ban credit use.

If you do not like it you should make a complaint to your state insurance department. They need to here from you if you think it is wrong to use credit.

NewsDesk answers:

Liability rates are not affected by the age of the car since they don't cover it anyway (you need comp/collision to protect your own property). I would assume you won't carry collision on that vehicle, it probably isn't worth much more than the deductible would be anyway.

That said – before you buy that car you should check the insurance rates. Samurais had a bad rap for rolling over easily, and it might actually be expensive to insure. Perhaps not, but you should check prior to purchase.