Car insurance can oftentimes be like a mystery, you simply can not understand the reasons why you have been charged with a high premium or a very expensive cost of claim. Sometimes, you may also wonder why having changed your SUV for another one would cause your premium to skyrocket when you have not even made a claim. If you are someone like me who is very particular with the cost of insurance premiums, first of all, you need to buy a car that falls under the lower insurance group bracket. It is one sure way of keeping the costs down, it is a guarantee. Second, log on to www.carinsurancerates.com for more tips on how to save up on this particular car necessity. You would be surprised to know that everything about your car – from seatbelts, car alarms, locks, your driving habits, mileage, etc. determines the price of your premium and cost of claim. Take my neighbor for example, she did not give particular attention to a malfunctioning seatbelt. When she got into an accident and was about to claim her insurance, she spent a quite a sum and a lot of effort first before it was given to her. The cause? Just the seatbelt. The company contested that she could have avoided further injury had she had the seatbelt fixed. Simple? Yes. Effective? Definitely.