Shopping for a car is not an easy task by any means. When you are thinking of buying a car, there are several things that you consider. For example, the first question that comes to your mind is whether you desire a two-seat sports car to catch the attention of the female species or you want a reasonable sedan with comfortable spacious seats? Another factor is whether you want your new car to be fuel-efficient or it should be easy on your legs with ample amount of leg space to give you a relaxed feeling. This is the thinking that goes on in one?s mind when one is intending or visiting a car showroom to buy a new automobile. However an important factor that people miss out in the process is that which particular car will give them a lower cost of insurance.

If you or your friends have been boggled down by high cost of car insurance in the past, then it is time to gain some knowledge on that front. It would be good to know what factors govern the calculation of car insurance premiums. This would help you to take a sensible and judicious decision in future. Some cars attract huge insurance premiums because they are considered to be easily prone to accidents. You may be proficient on the wheels, but that definitely is not going to reduce your insurance costs. The insurance company can only make judgments based on the car?s features and not your capability.

Before purchasing a car it is recommended that you collect some information on what cars are cheaper to insure. Of course it will not be wise to compromise on your requirements just for the sake of saving on insurance costs. So it is advisable to short-list a few cars that fulfill your basic needs, and then work out the car insurance costs. Maintain a balance between the two factors while taking the decision.

Similar to an insurance agent, you can take reference from the Highway Loss Data Institute (HLDI), to determine how much risky the model and make of your car is compared to other cars in the same category. The HLDI has statistical data covering almost every make and model available in the car market, and the institute can provide you with decisive information regarding whether the car that you intend to buy has losses that are valued to be lower than, equal to or higher than the average losses for that particular category of vehicles. The most significant point of this analysis is that lesser losses and expenditure on account of accidents and/or theft always translates into less costlier car insurance.

Irrespective of the car you are thinking of buying, be aware that advanced safety features always count high in the process of reducing the rate of car insurance premiums. Safety devices like airbags and anti-lock brakes reduce the physical injuries suffered by the car occupants, and the physical damages suffered by the car in the case of an accident occurrence, which eventually lowers your comprehensive and liability insurance costs to a great extent. The important point to note here is that, lesser the claim amount the insurance company will have to settle in case of a car accident, lesser is the premium amount when going in for a car insurance!

Security devices such as car alarms and GPS tracking systems can also contribute to lower cost of car insurance. The reason for this is that because your car insurance company has to foot the bill, if your car goes missing as a result of car theft and/or your car is vandalized, taking precautions in that direction will definitely award you bonus points with your insurer coupled with the lower insurance premiums that are associated with it!

Lower cost of car insurance may not be the most important factor when you go for a new car, however it shouldn?t be the least important factor also. Carry out a proper insurance related research before finalizing your car purchase deal and you’ll always get the best car insurance premium rates available.

Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za, a leading South African car and vechile portal, which provides cover for all car and vechile types.

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