Lower Your Car Insurance with These 5 Vehicle Factors

Whether you bought a new car or you have ol’ reliable carting you around, you need insurance that offers complete coverage, at a good price. Before you decide on your vehicle, you should always consider how to lower your car insurance costs.

There are a myriad of vehicle factors that impact insurance, ultimately guiding your thinking when investing in your new ride. From how quick it is, to how long it’s been around, there are several vehicle factors to consider to end up with low insurance costs.

Here are five of them.

1. The Cost of Modifications

You always want your car to look like it came fresh out of the shop, even if you have had it for a while. But be wary of what type of upgrades you want to your vehicle. Some modifications could trigger a spike in your insurance when you least expect it.

For example, if you make adjustments to improve your car’s horsepower, prepare to pay a higher premium for it.

On the other hand, should you decide to go hybrid and make your car environmentally friendly, insurance costs won’t necessarily change. Depending on the hybrid, hybrid vehicles use state-of-the-art electronic components and parts which are costly to repair and may impact insurance costs.

Always check to see how modifications raise or lower your car insurance before buying them!

2. Size Matters

You will find that larger cars are safer than smaller vehicles when it comes to accidents, thus those cars are move likely to receive lower premiums and high safety ratings. When it comes to engines, however, larger is not always betterpower is a directly rateable factor.

3. Body Style

If your vehicle is a two-door or four-door, this will also be a determinant of your insurance cost. If your vehicle is large and carries many passengers, chances are your costs for third-party liability coverage will be higher.

Contrary to popular belief, two-door vehicles aren’t inherently more expensive, so getting a four-door sedan isn’t a straight shot to lower your car insurance. However, engine size and model risk rating are factors, and many two-doors yield high rates due to these categories.

4. Car Trim

When considering trim levels, wondering how flashy you want your vehicle exterior or interior to look, remember these come at a cost:

  1. Custom graphics
  2. Specific brand of material for your interior
  3. Special paint
  4. Custom rims
  5. New suspension
  6. Window tinting
  7. Upgraded exhaust
  8. Upgraded stereo

They all look nice, but that also increases the cost to replace your car. As a result, collision and comprehensive coverage costs will increase. If you want your car to look flashy, be prepared to pay flashy insurance costs in order to keep it covered and maintained.

5. Model and Age Lower Your Car Insurance the Most

The type of car you buy can influence insurance costs. It is widely considered that if your car is an older model, you should get better saving on your insurance.

Furthermore, if your car is a younger model, you could pay higher collision coverage rates should you meet in an accident. Older vehicles, although cheaper to fix, could still return a high premium depending on the rate group the vehicle belongs to. Rate group is determined by the collision statistic history of that model of vehicle.

If you’ve considered all this and looking for good vehicle coverage, contact aha insurance today and see the light when it comes to your insurance!

Whether you bought a new car or you have ol’ reliable carting you around, you need insurance that offers complete coverage, at a good price. Before you decide on your vehicle, you should always consider how to lower your car insurance costs.

There are a myriad of vehicle factors that impact insurance, ultimately guiding your thinking when investing in your new ride. From how quick it is, to how long it’s been around, there are several vehicle factors to consider to end up with low insurance costs.

Here are five of them.

1. The Cost of Modifications

You always want your car to look like it came fresh out of the shop, even if you have had it for a while. But be wary of what type of upgrades you want to your vehicle. Some modifications could trigger a spike in your insurance when you least expect it.

For example, if you make adjustments to improve your car’s horsepower, prepare to pay a higher premium for it.

On the other hand, should you decide to go hybrid and make your car environmentally friendly, insurance costs won’t necessarily change. Depending on the hybrid, hybrid vehicles use state-of-the-art electronic components and parts which are costly to repair and may impact insurance costs.

Always check to see how modifications raise or lower your car insurance before buying them!

2. Size Matters

You will find that larger cars are safer than smaller vehicles when it comes to accidents, thus those cars are move likely to receive lower premiums and high safety ratings. When it comes to engines, however, larger is not always betterpower is a directly rateable factor.

3. Body Style

If your vehicle is a two-door or four-door, this will also be a determinant of your insurance cost. If your vehicle is large and carries many passengers, chances are your costs for third-party liability coverage will be higher.

Contrary to popular belief, two-door vehicles aren’t inherently more expensive, so getting a four-door sedan isn’t a straight shot to lower your car insurance. However, engine size and model risk rating are factors, and many two-doors yield high rates due to these categories.

4. Car Trim

When considering trim levels, wondering how flashy you want your vehicle exterior or interior to look, remember these come at a cost:

  1. Custom graphics
  2. Specific brand of material for your interior
  3. Special paint
  4. Custom rims
  5. New suspension
  6. Window tinting
  7. Upgraded exhaust
  8. Upgraded stereo

They all look nice, but that also increases the cost to replace your car. As a result, collision and comprehensive coverage costs will increase. If you want your car to look flashy, be prepared to pay flashy insurance costs in order to keep it covered and maintained.

5. Model and Age Lower Your Car Insurance the Most

The type of car you buy can influence insurance costs. It is widely considered that if your car is an older model, you should get better saving on your insurance.

Furthermore, if your car is a younger model, you could pay higher collision coverage rates should you meet in an accident. Older vehicles, although cheaper to fix, could still return a high premium depending on the rate group the vehicle belongs to. Rate group is determined by the collision statistic history of that model of vehicle.

If you’ve considered all this and looking for good vehicle coverage, contact aha insurance today and see the light when it comes to your insurance!

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