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Our agents are asked this question on a regular basis as it seems to be one of the more common misconceptions about auto insurance. The truth is color has no affect on the cost of your insurance coverage. Insurance companies use a number of factors to determine your rates. The following vehicle characteristics will impact your premium:
- Make and model - each year hundreds of vehicles are tested by the Insurance Institute for Highway Safety. A better safety rating usually means lower insurance costs. You can check your vehicles ratings here.
- Safety features - most new vehicles sold today come with airbags, anti-lock brakes and some level of alarm system. These all help to decrease the cost of your insurance.
- Convertibles - are typically more expensive to insurance than hard tops
- Performance - as you can imagine a high performance car will most likely increase the cost of your insurance.
- Theft rates - there were 1,176 vehicle thefts reported in Maine in 2008 and surprisingly vehicles like the Honda Accord top the list of most stolen cars year after year.
If you would like more information on Maine Auto Insurance visit our website - at www.ghmagency.com and to get your free insurance quote click here.
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