How Your New Car Might Affect Your Insurance Rates

How New Cars Affect Insurance Rates in San Diego, CA

For drivers who are contemplating buying a new car, your focus is probably directed toward the make and model as opposed to how your new car will affect your insurance rates.  At American Tri-Star Insurance, we know it isn’t likely that you are going to base your car decision on changes in your insurance rate.  However, we do believe that knowing more information about these rate changes will help you make a decision that meets your needs and your budget.

The most common basic rating factors that San Diego insurance companies use when determining insurance rates for the purchase of a new car include:

  1. The likelihood the vehicle will be stolen, damaged or vandalized
  2. The cost to repair the vehicle after an accident
  3. The total damage or injury the vehicle can cause to others in an accident
  4. The likelihood the people inside the vehicle will be injured in an accident

Other factors including the size of the car and safety features are also contributors that help determine insurance rates.  For example, a car that is small and light in weight might not protect the driver well in an accident, resulting in higher San Diego car insurance rates.  On the other hand, a light car with safety features may protect the driver which could contribute to a lower rate.

If you are looking for a new car and are want to know how your purchase will affect your rate, contact American Tri Star Insurance today.  Our experts will be able to provide you with a free quote and help you find the best rates for cheap auto insurance in San Diego.  Contact us today at 619-272-2100 or use our convenient online request a quote form.