Does Your Vehicle Affect Your Car Insurance?

Auto insurance can feel quite complicated sometimes. From the type of coverage you’re getting, to why you’re paying what you’re paying—there are so many things to figure out.

In addition to the auto insurance requirements of your state and how long you’ve been driving, there are also other things that can have an impact on your insurance rate and premium.  However, to make things a little easier for you, we’re here to shed light on at least one great unknowns of car insurance: how the type of vehicle you drive affects your car insurance.

Keep reading to learn what details of your vehicle insurance companies consider before giving you a quote.

The Sticker Price of Your Car

You’re probably aware that the make and model of your car influences your auto insurance rate. And that makes sense as well. You see, an insurance company is not going to give you the same rate for a Nissan Sentra and a Lamborghini Aventador. Why? Well, the parts for the Lambo would be much more expensive and difficult to acquire compared to the Sentra, right? That’s why the owner of the Sentra would pay much less for their plan.

Your Car’s Birthday

If there’s been an accident and your vehicle is damaged, the cost of repairs will be expensive regardless of the age of your car.

However, it stands to reason that the cost of repairing or replacing a newer, more technologically advanced car would more compared to an older car that has lost most of its value to depreciation. Therefore, the rate you’ll get for a newer car—as well as the premium—is likely to be higher.

The Safety Features of Your Car

Depending on the insurance provider you’re working with, your car’s safety ratings and the safety features and mechanisms it’s equipped with will have an influence on your insurance rate and premium.

Most insurance companies will only factor in basic features like the seatbelts and the number of airbags. However, some insurance providers take additional features, like backup cameras, collision warning systems, and handsfree calling systems into consideration. You can get a discounted rate depending on the nature and number of the safety features your vehicle is equipped with.


It’s always a good idea to have auto insurance you can rely on. Western Mass Auto Insurance offers cheap auto insurance Springfield, MA. We have links to some of the best auto insurance providers and can get you huge discounts! Contact us today for more information on our affordable car insurance MA!