How the Vehicle You Drive Affects a Car Insurance Quote
Safety Features
Vehicle's Age
Older cars and trucks are generally less expensive to insure compared to their new counterparts. If an older model is involved in an accident, the repair or replacement expenses are not as costly. Each year, most manufacturers either make subtle or sweeping changes to certain makes and models. As a result, shoppers can potentially save a significant amount of money in car insurance based on how old the vehicle is.
Type of Vehicle
Cars designed for speed typically cause more extensive damage and bodily injuries. Insurance providers may charge policyholders higher premiums for added protection. Mini-vans and four-door sedans usually offer better protection for drivers and passengers, so they come at a lower coverage cost. Companies also look at which makes and models have a higher propensity for being vandalized or stolen.
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