Car insurance friendly vehicles to buy

How many times have you thought about dropping insurance coverage on your vehicle altogether after receiving the payable premium? We know how it feels. Insurance rates are constantly on the rise and if you have a costly car to insure it may be a heavy burden for your family budget. But do not despair, there are better solutions than dropping insurance services. Moreover, driving without an insurance policy is illegal in the majority of states and you can face a substantial fine for not having coverage on your vehicle. Not to mention that it will be quite expensive for you to cover the costs if an accident takes place and you don't have any insurance.

You have probably read many articles with tips on how to reduce insurance costs in an effective way. While they all offer helpful solutions to different extent, most of them do not mention the most important element of vehicle coverage - the car itself. The auto you drive pays a very important role when it comes to determining the premiums you will pay for insuring it. People often drive insurance-costly cars and don't even realize why their rates are so high.

In order to change this situation here are some tips you can use when buying a new or used car with respect to auto insurance costs. They should be a guide for those who are looking for really cheap car insurance and want to minimize their costs in an effective manner.

First of all, forget about sports and muscle cars. In many cases such cars are cheaper than mid-class sedans and are very hot looking. But the faster and more powerful the car is, the greater is the risk that it will end up in a car accident. Sports cars provoke aggressive driving style and that's definitely a cause for concern in insurance companies. That's why in most cases sports cars are costlier to insure than other types of vehicles.

Luxury or rare cars should also be out of your list. Of course, if you can afford a Bentley then you probably don't need cheap auto insurance tips at all. Still, if you are cost-conscious and want to spend less on coverage then you should think about other car types. Luxury, classic and rare cars usually have high repair costs and are more likely to be stolen than ordinary vehicles. And this will eventually push your insurance costs too high to be convenient.

Small cars. Wait, what? Small cars are usually quite cheap and don't have high repair costs, right? Yes, of course. But you also have to understand that the safety of passengers is another factor that strongly influences car insurance quotes the car will receive. And here the basic laws of physics are very important. Smaller cars tend to be totaled or damaged badly with severe injuries to the people inside far more often than bigger cars.

Big SUVs. Now you are really confused, right? SUVs are large and quite safe for the people driving it, what's the problem? The problem is that SUV's have high damage costs they usually deliver during the accident. Other cars and the infrastructure tend to be damaged worse than with smaller cars and it is your insurance company who's paying for the repair.

So what should I buy?

The best type of vehicle for having reasonable insurance rates is mid-sized family sedan. These cars usually have competitive repair costs, low theft rates and perform well during crash tests. So if insurance costs are more important for you than your image this is the perfect option to go with.

Health insurance must now deliver coverage in a reformed system

To encourage the Democrats to vote through his healthcare reform bill, Obama framed the moment as one of morality. He argued everyone should have a right to basic health care. This was the chance for politicians to stand up for what was right, even though they might lose their elected jobs as a result. Yet, if you look at the numbers, this law is not going to deliver universal coverage. In socialized countries, everyone has a right to care. What is now branded as Obamacare will only add about 32 million people to the insurance market.

That was said about 10% of the US population. This makes for an interesting possible result. A small percentage of the population gets access to care and the costs for everyone else go up. It is that fear driving a general loss of support for the law. Whether it will turn out that way is anyone's guess. It is incredibly difficult to predict the future with any certainty. All that can be said with any certainty is that the majority of the Democrats feel good about themselves for voting the bill into law. They walked the walk along the moral high ground while the GOP was the party of "No" that wanted to sacrifice people's health for their own political advantage.

It is a tragedy for all thinking people the means of passing the law was framed in such black and white terms. If the two sides in a debate can never agree on anything because the other side is immoral scum, it gets very difficult to enact good laws. No one has a monopoly on good ideas. Indeed, the federal law bears a striking resemblance to the law in Massachusetts. When Mitt Romney pushed it through, conservatives hailed the reforms even though it imposed a mandate on Americans to buy insurance. Now Romney is leading the charge accusing Obama of an unconstitutional abuse of power. This is modern Communism he asserts, quietly forgetting his own law. When both sides are committed to disagreeing, truth is sacrificed and hypocrisy rules. So where does this leave us with the insurance companies?

Unlike the healthcare systems in other countries (such as european countries), the private insurance industry remains the key player. Americans will primarily look to the private sector for coverage. If businesses and private individuals cannot afford the premiums, the state will offer some financial support. This is wonderful news for the insurers. Millions of new people to insure with the government picking up a lot of the bill. This is a licence to print money unless the government acts to reduce the costs of treatment. If the government controls the prices of medications and forces hospitals to deliver only the forms of treatment shown to be cost-effective, this will remove the pressure on the health insurance industry to keep increasing the premium rates. Some rates will inevitably rise in the short term. But, as costs level out, they can be spread out across of wider range of people, many of whom will be healthy. This will take time and the Democrats may lose out in the midterm elections. Nevertheless, with President Obama in the White House, there will be no repeal of this law. The longer it is in force, the more difficult the GOP will find it to repeal as and when they return to power. Until things do stabilize, get the maximum number of health insurance quotes to find the most affordable policy for you and your family.