Popular beliefs are hard to dispel. If you doubt it, look no further than one of the questions insurance experts must answer more often: Does the color of a car determines auto insurance rates?
The short answer is no. Contrary to what many people think, insuring a red car does not cost more than insuring, for example, a white car or a silver car.
An Urban Myth
As is often the case with urban myths, this belief makes sense to a point, as cars of certain colors may be stolen more often. But insurance carriers really don’t care about the color of your vehicle.
Just to be clear, some of the aspects that do determine your car insurance rates include, among others:
- The make and model of your car
- Your car’s sticker price
- Size of the engine
- Body type
- Your age and gender
- The area where you live
- The place where you park your car
As an example of how little insurance institutions care about car colors, take a look at this report. It’s packed with stats relevant to car insurance, and the color of the vehicles is not even mentioned.
There are some cases where the paint of your car may be a factor in your insurance. But this applies only if, for example, your car has a custom paint job. Other than that, you can rest assured that you won’t pay more for insurance just because you have a red car.
In a nutshell, the color of your car does not have any impact whatsoever on your insurance. On the other hand, having a good driving record and choosing a model with good safety grades are some proven ways to lower your car insurance rates.
Learn More About Auto Insurance
Since your car is one of your most valuable assets, protecting it with dependable insurance is always a smart decision. These previous posts will help you learn more about Car Insurance so you can get the coverage your vehicle deserves.
- Learn the basics of Car Insurance
- An essential collision insurance glossary
- These are the factors that actually affect your car insurance premium
- 4 Tips to save on car insurance
Contact the Insurance Experts at Delgado’s Insurance
If you are looking for Car Insurance in California, at Delgado’s Insurance we are committed to helping you find a policy customized to your individual unique needs.
We have locations in Riverside, California, and Bloomington, California. Contact us today by telephone (951-361-0084, 909-421-9003), email or through our social media accounts to get a free quote and learn more about our wide range of insurance options.
