My Personal Finance Blog

Do you take the safety and insurance costs of the car when shopping for a new ride? If no, you definitely should consider it, because the costs associated with auto insurance can be a burden to your family budget if you choose the wrong car. And it could turn out that a relatively cheap car will cost you way more in auto insurance premiums over the years compared to a more expensive auto with low auto insurance quotes. The Highway Loss Data Institute compiles and analyzes the information regarding insurance costs of all car makes and models available on the market today and many insurance companies base their rates on the data provided with this institute’s reports.

But besides the HLDI reports every insurance company runs its own statistics regarding insurance costs of all autos on the road, which strongly influence the final car insurance quotes you will get when shopping around. Insurers analyze the costs of repair, theft, maintenance, damage, injuries and the overall claim history of a particular car model before giving our a rate. And sometimes these factors can make your premiums differ in times for two same-priced cars. Why is that? Because some cars are more likely to be stolen than others, some cars have better safety features and cost less to repair, and some cars just can’t leave the top spots of insurance claim ratings.

So before you decide to buy a car, make sure it doesn’t make part of the most frequently stolen list:

• Honda Accord
• Toyota Camry
• Ford F-150
• Acura Integra
• Nissan Sentra
• Toyota Corolla
• Toyota Pickups

Or the most expensive theft claim list:

• Cadillac Escalade
• Chevrolet Corvette Convertible
• Lincoln Navigator

Cars that are known to cause serious injuries to their drivers or passengers frequently will also cost more to insure than safer car models. So think twice before buying one of the following cars, because your rates will be more expensive:

• Suzuki Esteem
• Kia Rio
• Mitsubishi Mirage
• Kia Spectra

Collision coverage and cost is also analyzed thoroughly and cars having the lowest ratings here will likely have lower insurance rates. So pay attention to the following cars, having the least expensive collision costs if you want your premiums low:

• Ford Excursion
• GMC 2500
• GMC Safari
• GMC Yukon XL

Speaking in general, be cautious when buying sports cars and big engine vehicles as they always have high auto insurance quotes. This is because fast and powerful cars are more risky and usually have high damage and injury cost as well as frequent insurance claims. Luxury cars also have high auto insurance premiums due to the high repair costs and infamous popularity among car thieves. Big SUVs can also turn out to be costly to insure due to high damage costs they are known for.

If you want a car that will be cheap to insure think of a medium sized car that has many safety features installed and just enough power to drive safely without the temptation to race on the highway. For a more detailed information on the car makes and models, visit he HLDI site. Or try getting auto insurance quotes on different models and comparing them online, as it is a very popular and accessible option today. And remember that different companies will have different rates for the same car, so if you have firmly decided on a particular auto, maybe it’s better to see what other insurers have to offer first.

Deer Truck Decals

People buy car vinyls for a variety of reasons. Here are some of the reasons that have been expressed to me.

Firefighters are very fond of car window stickers because of the glorious images that are offered by some of the better vinyl decal makers. For many, it is a way to show their pride in the job they do! Firefighter decals are so arresting that they stop traffic! Many of them show firefighters in life-and-death struggles with fire.

Hunters, on the other hand, use deer decals to show their favorite quarry. Some display whitetail deer, while others choose elk or moose. Bird hunters have a choice of grouse, pheasant, turkey, quail – and other birds and ducks.

Flags of other countries are popular. Some immigrants want to show their ethnic pride, while others loudly proclaim their allegiance to their new country. Some choose flags of their former homes (Puerto Rico, Italy, Mexico, Canada), but many choose to display the US flag on their back glass. Deer Truck Decals

Style-conscious customers are also “into” car window stickers. For very little money (compared to a new paint job on the car), consumers add character, improve the looks of the car and share decals that are artistically stunning!

Some purchasers of car window stickers want to make a statement. Perhaps they are active in a group that is working to keep our oceans clean. They tend to choose decals that promote their view.

This is very clever. Think about all the times you have been stuck in traffic: the pavement is hot, your air-conditioner can’t get your car cool enough, everyone is short-tempered… and suddenly you see it! An oasis of beautiful colors — it’s a rear window decal!

There may be a million Toyota Camry’s on the streets, but there is only one with a “killer scene” on the back glass! Deer Truck Decals