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Does the color of my car affect my car insurance rate?

by Anita on May 4, 2016

car colorMany people ask, “will the color of my car increase my auto insurance premium?”  Truth be told, insurance companies usually don’t have any knowledge of the color of your auto.  The factors that go into your car insurance premium are the year, make and  model  of your car because they affect repair and replacement costs if you file a claim.  If you have a special paint job or custom color on your vehicle then the auto insurance company would need to know so that in the event of an accident, your car would be restored to it’s proper custom color. Other factors include, how many miles you drive annually as well as if you commute frequently to other states.  Safety features on your vehicle also determine your car insurance premium.  If you have passive restraints, airbags, backup cameras, antilock brakes or a car equipped with driver technology all entitle you to discounts on your car insurance rates. The insurance company will run a motor vehicle report on your driver license for any past accidents which also affects your car insurance premium.  The area in which you live based on car theft or high accident rate is factored into your car insurance rate.  So you can look and purchase any color car you so desire and give Freedom Insurance Group, Inc. a call for a free quote at 215-673-0300!

AnitaDoes the color of my car affect my car insurance rate?