Recession has taken all sectors of the economy by storm and the insurance sector was one among them. Reports suggest that the auto insurance sector witnessed a rising trend in Barbecuing a Beamer. This is a process by which you torch your own vehicle to defraud your auto insurance carriers instead of making payments for the premium. This is a serious cause of concern because it is difficult to prove the crime. Reports suggest that the incidence of barbecuing a beamer increased by 27% during the first 3 months of 2009. And the vehicles that were intentionally destroyed rose by approximately 24% during the same period.

However, it is better not to act impulsively if you are not being able to make payments for your auto insurance premium. There are different ways in which you can save not only your vehicle but also some cash. Given below are few ways in which you can avoid making payments to your auto insurance carrier legally.

There are many factors that determine your auto insurance premium but not all are within your control. The ones that can be worked upon include the following. Check it out.

1. Car usage

The mileage is an important factor that affects your auto insurance rate premium. The more you use your vehicle, the more you are prone to accidents. Hence, higher mileage means more premiums.

2. Traffic violations and driving record

Your auto insurance rate will also be determined by the number of times you have violated traffic rules. The more you violate traffic rules, higher will be your premium. If you have less number of speeding tickets to your credit, your premium amount will also be low.

3. Previous claims

You are considered to be a high risk driver if you have made many past claims. Hence your auto insurance premium will also be higher.

4. Type of vehicle and the repair cost

If the cost incurred in repairing your car is more, you will have to pay more. Sport utility cars, luxury cars usually attract higher premiums.

5. Your place of residence

If you are residing in an area that is congested and incidence of theft is high, you will pay more as auto insurance premium.

6. Type of coverage

The type of coverage you avail also determines the auto insurance rates. If your insurance policy carries the minimum requirement of the state’s auto insurance coverage, you pay a lower premium.

7. Deductibles

You can choose a higher deductible to lower your auto insurance premium.

Since you have so many options to reduce your auto insurance premium, it is better to work upon the factors instead of setting your car on fire and using it as an option for deceiving your auto insurance carrier.