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Terrance Said:

What kind of car would have cheaper car insurance?

We Answered:

Generally speaking, larger cars are safer,
and, thus, generally speaking, carry cheaper insurance rates.

However, it also depends on your age,
how you use the car,
where you live,
how many tickets or accidents you have, etc.

Since you asked "What is an IRA?",
you are either not a US citizen,
or you are a US citizen who is totally unfamiliar
with "Individual Retirement Accounts"
(look it up using your favorite search engine).
If the latter, respectfully, you might be wise
putting off such a large purchase,
in favor of saving your presumably
hard-earned money for a rainy day
(for the record,
with the price of gas continuing to climb skyward,
NO car is "good on gas",
and you're not going to get a decent vehicle for $10,000!).

In lieu of the above friendly advice,
consult a consumer guide at your local library or bookstore,
or ask your (or your parents') insurer,
who will give you all the info you need,
at no charge and no obligation to purchase anything
(you might want to bring a friend or parent with you,
to avoid being pressured into signing anything).

Vickie Said:

Is it cheaper insurance for you to be a named driver if your parent owns the car?

We Answered:

you can add a name to an existing policy if that person occasionally drives the car. its designed for those odd occasions when say a child may drive the car occcasionally when the normal (named) driver is unable to drive.

however you cannot insure the car, say, in you parents name if you are going to be the primary driver. if you do and the insurers find out, and their is a claim they will attempt to strike out the insurance as invalid.

Clayton Said:

Can I tell my car insurance company that my car will be kept at different address for cheaper deal?

We Answered:

You need to give the insurance company the address for where the car is principally garaged. That means the address where the car is kept.

Lying about where you keep the car is a form of insurance fraud. It's called "rate jumping".

If your lie about where the car was garaged were deemed a material misrepresentation, you run the risk of having your coverage denied in the event of an accident. You don't want that.

So...no, lying about where you keep the car is not a good idea.

Dorothy Said:

Is getting into an accident with a more expensive car worse than with a cheaper car? (Insurance rate)?

We Answered:

it depends what car is safer for the people inside the car. chances are the civic will crumble more than a 'stiffer' benz meaning that more damage is done to the civic and more people have medical bills. insurance agents look at the whole picture if a 16 year old does a total of 20k in damage (property damage and medical bills) and a 40 year old does 80k in damage chances are the 16 year olds rates will increase more, they have not 'proven' them selfs as drivers yet and now they look like a higher risk driving for one year and have already had an accidents vs driving for 20 years and has only had 1 accident in 7 years.

Cathy Said:

How can i get cheaper car insurance there must be a way!?

We Answered:

All the tricks and tips are all on this brilliant website it will save you loads on your car insurance quote it worked for me ! go to http://moneyexpertsteam.blogspot.com/

Jeffrey Said:

if i get a cheap car will my insurance be cheaper or more expensive?

We Answered:

Can you still be on your parents' insurance? We always put our kids on the cheapest, oldest car we owned, to lower their premium. Getting insurance as a familly group was a lot cheaper. Can you get a Good Student discount? State Farm does that if you take a short course and have good grades in school.
There's a possibility your rates would be lower on a cheaper car because it's not as expensive to fix; also you can have a higher deductible or lower collision coverage if it's an old, run-down car.