How Your Vehicle Impacts Your Car Insurance Premiums

Choosing a Safer Car Can Help Lower Your Insurance Premiums 

Many of us know that our car insurance premiums are determined through a variety of factors, from our age, driving history, and location. The type of car we drive impacts our auto insurance rates, too. From the make, model, and safety of the car, insurers look at a vehicle carefully before determining a premium. If you’re looking for a simple way to cut back on your auto insurance in Renton, WA (please open link in a new tab), be sure to pick your next vehicle carefully. Here is how your car affects your insurance rates.

  • Safety

Although safety may not be your main concern when looking around the car dealership, it should be. Do your research and check out the safety test ratings for the vehicles you like the look of. You may be surprised at how well – or how poorly – they do in crashes. The National Highway Traffic Safety Administration is a great place to start.

  • Age

Even if you’ve found a bargain vehicle, you may not be saving much money when it comes to insuring it. Just because a car is older doesn’t mean that it will be cheap to insure. In fact, many older vehicles lack the basic safety features that newer cars boast. In addition, older cars tend to develop problems more often, raising the risk of accidents. 

  • Popularity

When you’re considering a new car, find out how popular that model is with people in the car-stealing business. Even relatively modest cars can be high on the most-stolen list simply because it is filled with parts that can be sold for serious money. If you have chosen a vehicle that is frequently targeted by thieves, insurers are likely to factor that risk into your premium.


Are you ready to find the right car insurance for your vehicle? Contact the professionals at Humble & Davenport Insurance, serving Renton and neighboring cities of Washington for quality auto insurance coverage today.

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