Smaller Vehicles: Free Auto Insurance Quotes

People have very strong opinions when it comes to the size of a vehicle. Depending upon where you live, it can seem as though SUVs have taken over the world. Many decry the cost of larger vehicles. They argue that smaller vehicles are more environmentally friendly, require less gas, and are not as expensive. But when it comes to auto insurance, this argument does not necessarily hold up. In fact, if you have a smaller vehicle and are looking for free auto insurance quotes, you might be surprised by the results.

The Real Story

It may, at first glance, appear counterintuitive to have higher insurance rates for smaller vehicles. But when you think it through, it actually makes sense. A recent crash study showed that insurance companies pay an average of 14 percent more on claims for lighter-weight vehicles. There are multiple reasons for this. If a light-weight vehicle collides with a higher-weight vehicle, the light-weight one is likely to be more damaged. This is true for a small car and an SUV.

Another reason for higher claims is that many young drivers, particularly teenagers, get their driving experience in smaller cars. They are smaller and easier to handle making then the ideal teaching tool. Smaller vehicles are popular with young drivers because they are cost less than SUV or larger cars. Unfortunately, since teenagers tend to be poor drivers, they end up having more claims on those smaller vehicles. This increases the risk value for insurance companies.

Inexpensive Auto Insurance

Regardless of the type of vehicle you have, there are ways you can get inexpensive insurance with free auto insurance quotes. Just be honest in your responses. Do what you can to keep your driving record spotless. This weighs more in rate calculation than the make and model of your vehicle. Even if you pay more because you have a smaller vehicle, it will not be substantially more if other risk factors are low.

So the moral of the story is that the savings you earn from your fuel-efficient vehicle may very well have to be used to pay auto insurance premiums. Take the opportunity to shop around and get free auto insurance quotes to see if you can get lower rates. If you do not do this, you may not really know if you are getting the best rate available. You should not pay more for auto insurance than necessary. And you might be amazed by the outcome!