No matter what kind of car you drive, you’ll naturally want to find the most reasonably priced car insurance available. While you’re hunting around for a good auto insurance rate, you may not be hearing the prices that you want to hear. What you may not realize is that your car insurance rates may be high because of the kind of car that you are driving. Here are some aspects of your car that drive your car insurance premium higher and higher:
Your Car is Sporty
Historically, the most expensive autos to insure are sports cars. Their flashy nature attracts a lot of attention and makes them cars that many people want to steal. Smaller cars can also be more expensive to insure due to the possibility of greater damage in an accident. If you’re looking to save money on insurance, leaning toward a mid-size car can save you a significant amount of money. Opting for a mid-sized to SUV-sized vehicle will give you the opportunity to lock in a lower insurance premium.
Your Car Costs a Lot to Repair
Another factor that insurance professionals look at when creating auto insurance quotes in Santa Ana is the repair costs for your car. Some cars cost more to fix due to a lack of available parts. This can occur because the car is no longer being made (for example, Pontiacs and Saturns are no longer in production) and less spare parts can be readily found. Other cars (such as imported or luxury vehicles) simply need more expensive parts to repair. Consider asking your local mechanic about car makes and models that can be repaired for a reasonable amount of money before you buy a new car.
Your Car is New
While the overall cost of your car isn’t the only thing that car insurance near santa ana looks at when creating your quote, it shouldn’t be ignored either. A brand new car is going to carry a higher price tag than a used one. Additionally, if you finance a new car, you’ll be required to carry comprehensive auto coverage on the vehicle (which is the most expensive type of coverage available). Holding comprehensive coverage on an expensive vehicle will cost a considerable amount of money. By keeping these basic tips in mind, you’ll be well on your way to a better insurance rate.