Shopping for a new car can be an exciting experience, but if you don’t know what to look for, you could experience a hike in your full-coverage auto insurance rates. Cars with outdated safety features or specific styles may be more expensive to insure, leading to much higher costs in the long run. The guide below explains how you can be an insurance-smart car shopper.

Why Car Make & Model Matters for Your Premiums

Your insurance rates are based on a variety of factors, including age, driving record, and marital status. One of the most important factors is what type of car you drive. In the event of an accident, your insurance company will be handling repair costs or providing a replacement if the vehicle is totaled. The repair and replacement costs are based on the car’s blue book value. If you’re driving an older car, you’ll pay less in premiums than a new model because a replacement vehicle would be cheaper.

Vehicle type also matters. For example, you’ll pay higher premiums for a sporty coupe than you will for a modest four-door. This is because drivers of sports and subcompact cars are statistically more likely to be in an accident.

Minivans, however, are consistently less expensive to insure as parents are more likely to be cautious on the road. In the event of an accident, these vehicles are also less likely to be totaled.

How to Pick a Car With Affordable Full-Coverage Auto Insurance

If you’re devoted to insurance savings, it pays to do your research before you start car shopping. Certain makes and models are consistently cheaper to insure because of advanced safety features and reliability. Learning about a variety of cars can guide you in your search for a new ride and help you find a vehicle with reasonable full-coverage auto insurance.

Avoid electric and high-end luxury cars if you want to keep your insurance premiums down. They’re not only more expensive than other models but have higher repair costs also. Buying used instead of new can also lower your insurance rates.

Ready to buy a new car or want to switch your current full-coverage policy? Call Ron Nall Insurance Agency in Andalusia, AL, for all your homeowners, renters, life, and auto insurance needs. They’ll help you find the best policy to fit your lifestyle and your budget. Call (334) 222-3106 or visit their website to learn more.