This is How Your Vehicle Affects Your Car Insurance

How Does Your Vehicle Affect Your Car Insurance?

Various aspects of your car affect what we end up paying. Let’s break down at least one of these great car insurance unknowns: exactly how what type of car you drive affects what you pay for car insurance. Keep reading to see what details about your car are considered when getting a quote from your insurance company.

What type of car is it?

Many people already know that the make and model of their car affect their insurance rate. The more expensive the car, the more expensive the policy. Why? Foreign parts are more difficult to acquire and fewer auto shops can perform the repairs you may need.

How safe is your car?

Your car’s safety rating can factor into how much you’ll pay for car insurance (depending on your provider). Most insurance carriers only rate on basic safety features like airbags and seatbelts. Extra safety features such as collision warning systems, backup cameras, and hands-free calling systems can help keep you and other drivers safe on the road, but the truth is most carriers don’t take these features into account.

Bigger is (sometimes) better.

DSid you know that larger vehicles are typically considered safer? It may seem counterintuitive, but if you have a large car with a pretty good safety rating, your premium will likely be lower than if you had a smaller car with the same (or similar) safety rating. But also know that the size of your car’s engine could also affect your rate.

Lots of things can affect how much you pay for car insurance each month, but what type of vehicle you drive is one of the big ones. When in doubt, affordable cars with good safety ratings will almost always mean a better rate for your insurance.


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