Beyond the age and coverage history of your vehicle, auto insurance companies review other factors to determine how much you’ll pay for coverage. Understanding these can help you make informed decisions as you compare different insurance quotes. It can even help you when you’re buying a new car. Here are some common factors to keep in mind about the link between your vehicle and its insurance rates.

Which Car Features Affect What You Pay for Auto Insurance?

1. Alarms

If your vehicle is equipped with an anti-theft alarm, your premiums could be lower than average. Consider getting a vehicle with an engine immobilizer, which automatically locks the steering wheel, brakes, and tires if a break-in occurs. You can also get the system installed on an existing vehicle. This added protection can deter potential thieves, helping you avoid claims. 

2. Make & Model

Certain vehicles are more likely to be stolen. Auto insurance providers review crime statistics to determine the likelihood of theft and factor in the data when determining your rates.

Because a newer model will typically cost more than an older one, auto insurance rates on new cars may also be higher. If the newer car is damaged, replacement costs would be higher.

High-performance and luxury models could also increase your premiums. For example, speeding may be easier in a sports car, increasing the likelihood of accidents.

3. Safety Features

From airbags to cameras that monitor blind spots, the more safety features in your car, the lower your premiums may be. Many auto insurance providers offer discounts based on factors that help keep you, your passengers, and other drivers safer on the road.

Most carriers also track a vehicle’s safety rating using data from the Insurance Institute of Highway Safety. This independent association tests how well a car protects its occupants in a collision and technologies that can prevent collisions. A vehicle that scores high on safety will typically have lower insurance rates. 

If you’re in the market for auto insurance, turn to Mazzola Insurance in Rochester, NY. This independent agency will shop for rates from several leading insurance providers to help you find the most cost-effective option. They offer a host of discounts and work with drivers who’ve experienced challenges securing coverage. Request a free quote online, or call (585) 266-7130 to discuss your needs.