There are many things affecting your car insurance quotes. Things
like age, sex, marital status, driving record and place of residence
will have a strong influence on the average level of quotes you will
receive after quoting with an insurance company. But don't forget the
role of the car, since it's the very thing that is being insured.
There's a tendency for different car types to get quotes within a
specific range due to the combination of factors intrinsic for the
actual type. And it's therefore important to learn about the different car types in terms of insurance and understand why they tend to garner car insurance quotes within a certain range:
Small vehicles
Small cars tend to be very convenient when it comes to driving around
in a city with heavy traffic. Such cars are usually fuel efficient due
to the small engine volume and rather cheap to deal with. But the
downside is that due to their size and the usual practice of fitting
them with minimum safety features small cars tend to be rather dangerous
during accidents, causing a great deal of damage and injury to people
inside of the car. That is the reason why, contrary to expectation, some
small car models can get very hefty car insurance quotes due to their
inferior passenger safety.
Mid-size vehicles
Middle class vehicles usually carry more advanced safety features
while being very efficient. Thanks to the bigger size they can withstand
a serious impact with less damage and injuries. That's why such cars
are regarded as optimal in terms of insurance costs. On the other hand,
since there's a huge variety of models in this crowded segment and you
can get a very serious fluctuation in car insurance quotes depending on
the exact car you're trying to insure.
Large vehicles
Bigger vehicles like vans, SUVs and trucks represent one of the
safest car types on the market. Thanks to the higher size and mass they
tend to be safer for the people inside them during an accident.
Nevertheless, when looking at the liability costs their increased size
is actually doing them a very bad favor. This type of cars simply tends
to cause more damage to other cars and infrastructure. That is the
reason why trucks and SUVs usually cost more to insure since insurers
have to deal with more expensive liability payouts associated with such
cars.
Executive vehicles
Resembling ordinary sedans in appearance executive cars are a totally
different breed when it comes to actual performance. Such cars usually
carry top-notch safety features while their performance during crush
tests is at least higher than average. On the other hand, they may
require very expensive repair parts, which may push their insurance
costs quote high. However, such cars can actually deliver very
affordable car insurance quotes.
Luxury vehicles
The main reason for purchasing luxury vehicles and ultra-performance
sports cars is showing off the financial abilities of their owners. And
while these vehicles are certainly safe, the use of exclusive materials
and very expensive repair costs make them a rather expensive type in
terms of insurance. But if you can get one why would you worry about
insurance premiums?
Performance vehicles
While being every boy's dream sports and muscle cars can turn into a
grown man's nightmare when it comes to insuring them. Because such
vehicles are made for power and speed they are traditionally driven in
an aggressive manner, which is more likely to provoke an accident. Of
course, insurance providers don't like that and that's why you will
usually get rather expensive car insurance quotes when trying to insure a fast and powerful vehicle.
Classic vehicles
While classic and vintage cars may be rather simple in their essence,
the scarcity of repair parts, and limited access to competent repair
specialists typically results in higher insurance prices. But it
certainly won't be your main car, so you probably know the added costs
of owning a retro vehicle.
