The Vehicle Type Influences the Insurance Payment

Next question you face during the process of auto insurance is if the car type influences the cost amount of the auto insurance. You will be absolutely right if you agree with that issue.

Dave Snyder, the American Insurance Association vice president and assistant general counsel in Washington, D.C, says that the insurance cost greatly depends on type of your vehicle. "The make and model of the car are among main insurance factors, the premium is affected by the make and model performing in terms of crash and theft. Cost will change from time to time," added Snyder.

Snyder acknowledges that "the new released car is given a symbol by insurance rating organizations, it helps to predict its expected costs to insure compared to other vehicle types. Time passes, according to the knowledge about the motor vehicle make and model is stored, the car can be moved up or down in the ratings and depending from this, the cost for comp and collision coverage will change." Not only the information about your type of car, but also your driving record, history of claims, credit history, age, gender, amount and type of auto insurance purchased, place of residence everything will be checked by the insurers to name a quote.

There are some types of cars that probably will cost you more in liability premiums. Sports cars and sport utility vehicles (SUVs) are among them. The reason is that SUVs can cause more damage to other vehicles when involved in collisions. It is confirmed by different vehicles' histories.

Russ Rader of the Insurance Institute for Highway Safety points that insurance premium highly depends from the make and model of the car, especially from the crash history and loss. "It is wise to check crash test rating of the vehicle before you buy it, it is also better to select a vehicle which insurance losses in real crashes are low because that will low your insurance premium and help you to save your money. It is easy to check the losses for vehicles by make and model in brochure which is published by the Highway Loss Data Institute" (

Rader's organization recommends you to buy mid-sized or larger vehicles with good-crash test ratings if you are interested in passenger safety. "The main thing is your survival in the crash. The more is the size and weight of the car the more chances you have. Large cars, like SUVs, have the advantage of size and weight in crashes with other vehicles, but they have a risk of being involved in single vehicle rollover crashes. You have to worry about side air bags and other safety features if you want to save your life or the life of a loved one in a serious side impact crash. The first place equipment which can help you to prevent a crash is the electronic stability control."

The electronic stability control is a new safety tool. It can be found almost in all 2009 foreign and domestic models. There is one more device which operates like an automatic pilot. It is computerized system the part of a car's anti-lock braking system. Its purpose is to let you keep the car under control on slippery curves or during the sudden swerve or other emergency maneuvers.

Kim Hazelbaker, the HLDI executive, asks us to focus our attention on HLDI's most recent Property Damage Liability report (2003-05 models), especially at its part where average loss payments per insured vehicle year are described. In this report you can see the damage which an insured's vehicle causes to another one. Check the numbers:

  • $79 for passenger cars;
  • $81 for small SUVs;
  • $92 for large SUVs.

Hazelbaker, HLDI senior vice president, in Arlington, Va., explains that the totals of $79, $81 and $92 above refer to the actual part of an insured's premiums connected with the damage their cars caused in accident with another vehicle.

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