How does car make affect car insurance?
There are several factors that affect the amount of your car premium, such as your age, where you live and the number of claim-free years you have accumulated. But did you know that the make of your car can also affect the amount of your car premium? We explain how the make of car affects your car insurance.
How is the car premium rate actually determined?
When determining the amount of a car premium, the insurer estimates the risk that you will cause or receive damage. Here, the higher the risk, the higher the premium. It often looks at the car's power, weight and age. For example, a large, heavy car will cause more damage in any collision than a light, small car. Therefore, this affects the amount of the premium.
Insurers look primarily at statistics in this regard. For example, it appears that more car accidents happen in the Randstad. So if you live in the Randstad, you will probably pay more premium than someone who lives outside. Age also plays an important role. In fact, it has been found that young people cause more damage per year. Someone under 24 therefore pays a higher premium than someone aged 54.
Car insurance: Why does an insurer look at the car make?
Car make also affects your car insurance. When insurers dive into statistics, they also look at a car make's claims history. For example, it turns out that Tesla drivers claim more damages from their car insurance than other drivers. Because a Tesla is heavier and quieter than average, relatively more accidents happen. Also, because of the complexity of an electric car, the repair costs of a Tesla are a lot higher than other cars. For this reason, there is also a special Tesla insurance policy.
Now of course there are fewer Tesla's than Kia's on the road, but that does not mean that other car brands necessarily have lower premiums. For example, a Volkswagen Golf is one of the most stolen cars in the Netherlands. Therefore, the premium of a Volkswagen Golf is often higher than, say, a Renault Clio. Insurers look at whether the type of vehicle has caused many accidents in the past. If this is the case, the insurer sees this as an increased risk. And so a higher risk means a higher premium. So the car make can affect the car insurance premium.
The color of the car
The color of your car can also affect the amount of the car premium. For example, dark cars are often less visible, especially in poor weather conditions. This makes it more likely that another driver will not notice the car and crash into it. Not every insurer makes it more expensive to insure a dark car: it varies from one company to another. This is why it is always important to compare car insurance policies.
Compare auto insurance policies
Whatever brand of car you have, you obviously want to insure it properly. Through Alpina.nl , you can easily and quickly compare the premiums of different car insurances. With our online tool you can calculate an indication of the car premium. This allows you to compare car insurance policies on price and content. This way you can find out which insurance suits you and your car best.
Alpina.nl helps you get cheap car insurance
We are happy to help you get cheap car insurance, whatever make of car you have. Do you still have questions? Or would you like someone to look into comparing car insurance with you? Then please contact us! We are available Monday through Friday from 8:00 am to 6:00 pm. You can call us at 088 - 688 37 00 or send us a message via chat, WhatsApp or email.
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