Auto insurance quotes for different types of vehicles

types of vehicle insurance

Auto insurance quotes for different vehicle types

In part, the relationship between the make and model of the vehicle and the premium rate is common sense. So, for example, a brand new sports car that accelerates from zero to some amazing speed before you can say "Jack Robinson" three times is likely to be expensive to insure. As a general rule, all vehicles designed to break the speed barrier cost more to insure. But if you own a battered old station wagon, this is unlikely to be driven at speed, so accidents are less probable and, even if they occur, the damage will be less. If you move past liability to comprehensive insurance, every car thief in your neighborhood will look at the sports car and see dollar signs whereas no-one will consider the station wagon worth stealing, even to break for spares. And talking of spares, the replacement parts for the sports car will often cost more than the secondhand value of the station wagon. This means collision rates will be higher to reflect increased labor costs to obtain and fit specialized replacement parts.

So to understand the process, we need to make some broad distinctions between the types of vehicle. Manufacturers make a broad distinction between automobiles and light trucks although some vehicles are considered hybrids. The research and testing by the National Highway Traffic Safety Administration confirms "family" cars as the safest. This is not only because of the design features but also because parents with children on board always drive more carefully. These vehicles include sedans, SUVs, station wagons and minivans. Families often have a lot of stuff to carry in addition to the people. In design terms, these vehicles also tend to be very stable, i.e. they do not roll over. That said, the handling of some SUVs is less good. Pay particular attention to the star ratings issued by the NHTSA. Vehicles with 5 stars get the cheap auto insurance rates.

Luxury and high-powered vehicles cost more to insure even though many of them get high rankings for safety from the NHTSA. This reflects the higher cost of repairs and of replacement should the vehicles be stolen. The smaller vehicle market of compact and subcompact cars does not necessarily produce the lowest rates. Size is a problem. When there's a lot of metal wrapped around the driver and passengers, they stay safer. In smaller vehicles, there's less protection. Worse, the bumpers and crumple zones are usually nearer the ground and, if you are hit by an SUV or truck, the higher suspension makes them more dangerous. Before you decide to buy a smaller vehicle. look very carefully at the safety profile and see how well your choices of make and mode perform in crash tests. So armed with the NHTSA rankings, buy the vehicle that has cheap auto insurance rates and provides you the level of safety you need.

Quotes Explained

Cheap auto insurance remains a vital part of your financial planning. Get multiple auto insurance quotes, compare and find the cheap auto insurance rates you need.

Auto insurance quotes explained through a glossary of all the major terms. Get a good understanding of auto insurance quotes with the help of this glossary.

Auto insurance quotes distinguished from premium rates. The insurers calculate their rates for you as a driver and send the results to you in auto insurance quotes.

Auto insurance quotes FAQ which asks and answers all the standard questions in straightforward English. Understand how to find cheap auto insurance rates.

Factors That Affect Rates

Auto insurance quotes for different types of vehicles will vary depending on the safety ratings given by the NHTSA. Find cheap auto insurance by buying the right vehicle.

Auto insurance quotes are not the same for men and women. As a generalization, women pay less than men. Why are auto insurance quotes different?

Auto insurance quotes for customized cars can be expensive if you go to a regular insurer. You usually get a cheap auto insurance deal from a specialty insurer.

Auto insurance quotes: what factors are taken into account when setting the premium rates? How can you give yourself the best chance of finding cheap auto insurance?

Cheap auto insurance for your age is relevant at both ends of the range. Teens and seniors can expect their auto insurance quotes to be higher than average.

Cheap auto insurance when buying a new car is not necessarily going to be possible. Look at the terms of the auto loan before getting the auto insurance quotes.

Online Shopping

Cheap auto insurance online shopping tips to help you find and compare the auto insurance quotes and so find the best deals on auto insurance rates to satisfy your needs.

Cheap auto insurance is on everyone's shopping list in these difficult economic times. Here's a guide on how to find low auto insurance quotes from reputable insurers.

Using multiple auto insurance quotes to make savings by comparing the terms on offer and finding the best deal for cheap auto insurance rates

How to Save Money

Cheap auto insurance rates come when you ensure all the discounts are applied to the annual premium. Check the following list to guarantee cheap auto insurance comes to you

Cheap auto insurance is not always the best option because the coverage may be limited or it may be difficult to claim. Look for affordable not cheap auto insurance

types of vehicle insurance