How Does Your Choice Of Car Affect Your Insurance In Shelton?

Goodman Insurance, Inc. can help you to get a solid deal on your coverage, but even so, you may be wondering if your choice of automobile is going to be held against you by your provider. Well here’s a simple rule of thumb: The safer your ride, the lower your insurance. There are exceptions to the rule, outdated laws, cars that are way safer than they have a reputation for being, but if you’re driving a safe car, you’re going to pay less.

There are other factors, but it all starts with how safe your car is to drive. Here are a few things to consider when buying a new ride:

  • Trucks and SUVs tend to rank among the cheapest vehicles to insure, across the board. The added security of driving a larger auto tends to go a long way with insurers.
  • If your car doesn’t come with standard safety features like full airbags, anti-lock brakes, and rear-view cameras, it may be cheaper to have them installed than to pay the difference on your insurance.
  • Your insurer is going on "worst-case scenario." No matter how safe your Ferrari may be to drive, it goes a lot faster than a Honda Civic, so it’s going to be pricier to cover.

Other factors your insurer will consider include a car’s likelihood to be stolen, whether or not it’s a hybrid (many insurers covering Shelton, CT offer deals for hybrid car drivers), and of course, how much it’s actually going to cost to repair and replace the vehicle.

If you have any questions about your next vehicle, call the agents at Goodman Insurance, Inc. to get a quote. Also, try our online rating tool for quotes on your auto and home insurance. Our doors are always open, visit our office in Shelton, CT today.