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Does the type or color of car I buy affect my insurance premium?

A: The color of the car you purchase will not have an effect on premium; however the type (year, make and model) certainly will. There are several factors that determine an individual’s insurance rate. For example, the more expensive a vehicle is to repair the more expensive the collision and comprehensive coverages will be. Today’s vehicles are becoming more electronically advanced with things like sensors in bumpers and cameras built into mirrors. What used to be a fairly inexpensive claim for a minor accident might now cost the insurance company considerably more to repair so that could be a reason for a higher premium.

Answered by Kimball-Cooke Insurance


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