Can Your Vehicle Type Affect How Much You Pay for Car Insurance?


Can Your Vehicle Type Affect How Much You Pay for Car Insurance?

You want to pay as little as possible for Chicago car insurance. We get that! This doesn’t mean you want to skimp on coverage. If you get into an accident or have your car stolen, you’ll be kicking yourself for not having the protection you need. Instead, what you should be focused on is the right coverage for the right price. This means taking advantage of as many discounts as possible.

Beyond this, there’s a few other things you can do to ensure your car insurance is as affordable as possible. While you probably don’t want to get married just for cheap car insurance, other things are a bit more simple to implement in your life. Keep your credit score high and always be a good driver. Safe drivers who pay their bills on time pay less than those who do not. Did you know the car you drive has a big impact on the price you pay each month? It is true!

The year, make, and model of car you drive affects your car insurance rates. This is mainly because the way in which one drives these types of cars differs. If an insurer’s data says that drivers with your model vehicle have been in more accidents or filed more claims, then your rates will be higher. It’s all about the data!

Additional factors determined from your vehicle model:

  • #1 Purchase price
  • #2 Theft rate
  • #3 Cost of repairs
  • #4 Accident rate
  • #5 Safety tests

Just because a car does well on safety tests doesn’t mean it will be cheap to insure. Typically, more expensive cars do better in safety tests because of all the tech inside. Cars with extra safety features, such as collision-warning systems and 360-degree view cameras, may actually add to the price of insurance if the cost to repair or replace the feature is expensive. For many insurers, there isn’t enough proof the added features are worth a discount… at least not yet. A few have started to hand out discounts for advanced safety features, but this won’t be a guarantee.

When you stop to think about it, it does make sense. A fiery red racecar is going to cost more to insure than a sensible white sedan because you’re much more likely to drive it too fast and get tickets. A luxury car is going to be much more expensive for your insurance company to replace if it were to get stolen. A fancy motorcycle may get pushed over or destroyed much easier than a sturdy SUV.

With all of this, Pronto Insurance is here to help! Whether you drive a coupe, sedan, convertible, SUV, minivan, truck, or a high-end luxury vehicle, we offer the car insurance you need for a price you’ll be happy with. It all starts with a free car insurance quote!

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