When Choosing Your Car Makes the Most Impact on Car Insurance

Most people understand that the type of vehicle has an impact on car insurance rates. But did you know that there are times that it has a bigger impact than others? If you are car shopping you may need to know this so you can make a more informed car choice if you are looking to save money wherever you can.

Drivers under the age of 25.

  • If you are looking for a car and you are under 25, you are going to be paying higher car insurance premiums regardless of driving history.
  • If you have the double whammy of being under 25 AND having a less-than-spotless driving history, you will be the most impacted on your car insurance rates.
  • Avoid having an auto loan and buy a car with cash so you can avoid the requirement of insuring your car against collision. Depending on where you live, it could save you thousands of dollars a year on your car insurance.

Drivers with a DUI or other major violation

  • You could be even more impacted than the driver under the age of 25 with tickets if you have a DUI/DWI, so you may also want to consider buying a car outright rather than having a loan.
  • Avoiding collision on your insurance will save you thousands.
  • Consider buying a cash car and keeping it until your DUI/DWI is over five years old. After five years, most car insurance companies do not surcharge you for having a DUI.

Older drivers with a mostly-clean record.

  • If you are in this category, your rates will not be significantly impacted by your car choice.
  • However, if you are pinching pennies, look for mid-sized four doors that are not high on the list of stolen vehicles, or stick to a car that you can pay for in full so you do not have to insure for collision.
  • Once you narrow down your choices to three or four options, call your agent and have them do an estimated premium on each so you can decide which one is the best fit for your budget.
  • To help your agent, you may want to provide them with the VIN’s of each vehicle. This will provide you with the most accurate estimate and will make the agent’s job easier to run the quotes.

Now that you have an idea what category you would be in for rating it can help you narrow down your choices of vehicles. This avoids car insurance sticker shock if you buy a vehicle before checking on insurance rates.

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