The amount of your car insurance rate is based in different factors not only in your driving record. This also includes the model of the vehicle, the make, and the year when it was manufactured as well. For those who are shopping for a new car or planning to get one, it would be best if you would ask first a legit insurance agent about the potential cost of car insurance for the car that you are eyeing on. You can use these factors to let you have an idea if your car will get a high auto insurance rate or you can get a lower premium instead. More often than not, these are the cars that have sky-scraping rates.

1. Vehicles that are equipped with high-tech gadgets – Car insurance companies are considering the amount of the accessories or high-tech gadgets that are installed in your vehicle. The more high-tech it is, the more it is at risk of theft. And of course, the replacement cost will also be high as well resulting to a very high-pitched insurance rate.

2. Sports car – compared to the typical vehicles on the road, sports cars are more dangerous to everyone, may it be a pedestrian or vehicle. Aside from that, people who are driving sports cars have more violation tickets than the other drivers who are using average cars only. Because of the risk, most of the car insurance companies will ask you two to three times more for this kind of vehicle.

3. Luxury cars – by now, you have probably understood that the higher your car cost, the higher would be the expenses for the repair as well. That is why expensive cars, better known as the luxury cars, have the highest car insurance rates than the other vehicles.

4. Theft-prone vehicles – these are the vehicles that are hot on the eyes of the car thieves or “carnappers.” There are just some models that are so in demand in the black market that thieves will do anything just to get it and earn from it. You have a great chance of getting a high vehicle insurance rate if you own any of these vehicles that are commonly stolen because of the risk it poses.

5. Very small vehicles – you would surely love to have one of these because it can save a lot of gas while reaching a great mileage at the same time. However, it also has a potential to get huge damage just in case an accident happened while on the road. Therefore, the car insurance cost will also be high as well.

6. Vehicles with high horsepower – high performance trucks are likely to be driven with speed and danger. Many of the road accidents today involved these types of cars. Again, it poses a great risk especially for the insurance company that is why you will be given a high insurance premium.

7. SUV’s – large SUV’s may cause big damages particularly to the other vehicles when involved in a road accident. If in case that the accident is due to your negligence, the insurance company will have to pay huge amount as well.

Knowing what vehicles cost more to insure will help you make wise decisions when purchasing a new car - and help you secure affordable car insurance!
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