Import Car Insurance Premiums – How to Get Discounts
If your car is an imported model, you already know that an import is somewhat more expensive to insure than a domestically made vehicle. Even if the higher cost of your insurance premiums is something which does not place a strain on your finances, you’d still like to save money on your import car insurance – and you can if you know how.
Carrying car insurance is a necessity for any licensed driver and in most states in the US is a requirement. This is true whether you’re driving a locally manufactured vehicle or an import car. If you’re looking for ways to reduce your unavoidable monthly expenses, looking over these requirements is a good place to begin with. The requirements specify coverage you must carry so you can request for quotes that meet the minimum legal requirements.
These are all ways that you can lower your import car insurance premiums:
1. The make and model of car you drive has a significant effect on your premiums. The more expensive the vehicle, the more it will cost to insure; and of course, imported cars tend to be more costly. You may want to go for a less expensive car if you’re currently looking for a new vehicle.
2. Consider joining an owner’s club. An owner’s club generally will be able to offer lower rates on car insurance since they use their collective bargaining power to secure lower premiums, much like a group health insurance plan provides to its members.
3. Check for cost-saving features and company policies. Even if you obtain insurance through an owner’s club, check various plans that offer bigger savings for modifications made on import cars. For example, adding a performance filter to an otherwise unmodified 1.6-litre Honda Civic can actually improve its performance enough to earn you additional savings. This is because more and more insurance companies are going to great lengths to be more specific with their policies on car insurance from other countries.
4. Ask your insurance company about their no-claims discount. If you keep a clean driving record and file no claims for a certain period of time (usually three years), you are entitled to a discount under the policies of most car insurance providers – make sure you ask for this discount, since they may not offer it otherwise.
5. Add security features to your car. A lot of imported models don’t have many security features installed as standard; and these vehicles are often considered among the most desirable to car thieves. Installing car alarms, tracking systems and other safety features can make you eligible for a discount on your car insurance as well as protecting your property.
The popularity of import cars is undeniable. Although insurance might pose a slight setback to your wanting to own one, top-notch performance at incredibly low prices make thousands upon thousands gravitate toward fuel-efficient, overall economical Japanese cars. Plus, the design makes for interesting car buff-magnet.
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Tags: Auto Insurance, Automotive, Car, car insurance, insurance, Vehicle
