Things to consider before buying

Wavering between a 4 x 4 sport utility and a fully loaded sedan? Although both vehicles cost the same, some models-like four-door sedans-are less of a magnet for thieves. That means they're cheaper to insure.

• Did you know that your premium is affected not only by the price of your vehicle, but by the cost of parts and repairs as well? If your sleek little roadster costs more to repair, it will also cost more to insure.
• If you think you can save money by getting less coverage-purchasing only "one-sided" insurance-think again. In the event of accident or theft, you'll surely have to pay more than you initially saved, because the cost of the damage or loss will come out of your own pocket.
• Tempted by the replacement cost endorsement? Find out as much as you can since a number of options are available, such as write-off and parts replacement coverage.
• It has been proven that claim requency varies considerably according to the driver's profile, including age and sex.
• If you're adding junior as a second driver, your insurance company will obviously take this into account. Don't make the mistake of not declaring him-if he's involved in an accident, you could jeopardize your right to an indemnity.
• Do you drive your car 20 km a day to work in heavy rush hour traffic? That also has a price.