How Your Vehicle Impacts Your Car Insurance Premiums

Looking to save money on your car insurance? Choose your next vehicle carefully.

Many of us know that our car insurance premiums are determined through a variety of factors, from our age, driving history, and location. The type of car we drive impacts our auto insurance rates, too. From the make, model, and safety of the car, insurers look at our car of choice in great detail. If you’re looking for easy ways to save money on your car insurance, be sure to pick your next vehicle carefully.


Although safety may not be your main concern when looking around the car dealership, it should be. Do your research and check out the safety test ratings for the vehicles you like the look of. You may be surprised at how well – or how poorly – they do in crashes. The National Highway Traffic Safety Administration is a great place to start.


When you’re considering a new car, find out how popular that model is with people in the car-stealing business. Even relatively modest cars can be high on the most-stolen list simply because it is filled with parts that can be sold for serious money. If you have chosen a vehicle that is frequently targeted by thieves, insurers are likely to factor that risk into your premium.


Even if you’ve found a bargain vehicle, you may not be saving much money when it comes to insuring it. Just because a car is older doesn’t mean that it will be cheap to insure. In fact, many older vehicles lack the basic safety features that newer cars boast. In addition, older cars tend to develop problems more often, raising the risk of accidents.

Stay safe on the road with quality insurance. Contact us at Sausman Insurance Agency for a tailored auto insurance policy in Mifflintown, Millersburg, and Lewistown, Pennsylvania that are right for your vehicle, needs, and budget.