How Your Vehicle Impacts Your Auto Insurance

How Your Vehicle Impacts Your Auto InsuranceSelect your next car wisely – It will impact your car insurance rates!

Are you in the market for a new vehicle? If so, you may have assessed your needs and narrowed it down to a few vehicles. But before you make the final decision, you should know that insurers look at your vehicle (in great detail) to determine your auto insurance premium. If you want lower rates, you may want to reflect on your vehicle choices.

Year

The year of your vehicle does impact your insurance rate. Newer vehicles can sometimes receive a new car discount (ask your insurer), but generally, they will cost more to insure. Naturally, newer vehicles are going to cost more to repair if they are involved in an accident, so your car insurance rate will reflect this added cost.

Make

A lot of times the make signals the value of a vehicle. Is it a foreign luxury car or an American-man minivan? For example, a Tesla, a purely luxury brand of vehicles, will cost more than your average Chevrolet. A foreign car may cost more to insure because the parts can be harder to get and fewer body shops may want to work on them.

Model

The fancier your vehicle, the more expensive it is to insure, typically. The base model four-door is often the cheapest way to go – not only when purchasing the vehicle but also for insurance, too.

Safety

Newer cars may cost more to insure but they often have more up to date safety features than older vehicles. As a result, if you opt for a car with safety features like multiple airbags, daytime running headlights, and emergency braking, you could be looking at a very reasonable premium. An older vehicle with no airbags may be more expensive to insure because if an accident occurred, medical costs would be expected to be higher than a vehicle with airbags.

The team at McCarty Insurance are industry experts who are here to help. We ensure that you understand your coverage so that you can feel confident about your protection in Fresno, California.