fbpx Skip to content

Does car color impact auto insurance rates?

rhys-rainbow-mccormack-576887-unsplash

Seeing Red: Auto Insurance and Car Color

Do your auto insurance rates have you seeing red? It can be frustrating to pay so much in monthly premiums to guard against something that may never happen. Unfortunately, having auto insurance coverage is the law. However, it is also a very wise choice, considering how common motor vehicle collisions are. Still, there is no reason you should be paying high fees. Doing your research and comparing quotes for free online can help to secure you the most affordable rate for the best coverage.

Do Insurance Companies Consider Color?

One thing that many people wonder about when purchasing cars and subsequent insurance coverage is whether car color has any impact. Esurance dispels this as a myth. They explain that insurance companies do not consider the color of your car when calculating premiums. Along with your driving record, they focus on year, make, model, and age of your car. So, car color may not matter directly, but size does.

Does Car Color Affect Auto Insurance Rates?

Although no studies have been able to prove or disprove the idea that car color affects safety, many people believe it has an impact. In fact, car color might influence your auto insurance rates, but in a more indirect way. For example, cars of a certain color are more likely to get pulled over. According to an article posted on the National Motorists Association website, a study showed that the color of cars pulled over the most was white. Red actually was high up on the list, coming in second. It was followed by gray and silver. Getting pulled over more frequently might mean more tickets, and, hence, higher auto insurance rates.

In addition, car color might make certain cars easier to see and, therefore, less vulnerable to collisions. One can imagine that black vehicles are in more danger at night, while the visibility of white ones protects them. So, at the end of the day, having a red car should not send your insurance premiums through the sunroof so to speak. However, it is still something you might want to consider when buying a car and securing insurance.

Auto Listings
Motorcycle Listings
Life Listings
Health Listings
Home Listings
Small Business Listings

1 Comment

  1. Liliana Rysz on March 14, 2019 at 1:01 pm

    as soon as I detected this site I went on reddit to share some of the love with them.

Leave a Comment





This site uses Akismet to reduce spam. Learn how your comment data is processed.

RECENT POSTS

Guide to Open Enrollment: Making Sure You Are Insured for Next Year

December 3, 2019

‘Tis the season! That doesn’t just apply to the holidays, but also to health insurance. You have probably heard the phrase “open enrollment” tossed around either on the news or…

Read More

Life Insurance Needs Assessment: Top 5 Reasons You Need Life Insurance

November 24, 2019

We are all guilty of procrastinating every now and then. Especially when it comes to the somewhat morbid topic of life insurance. We all know that our death is an…

Read More

Health Risks and Insurance Costs of Vaping: Is It Really “Cool to Vape”?

November 14, 2019

For decades, smoking has been advertised as cool, sexy, and trendy. With the invention of the e-cigarette, tobacco companies did not stray from their tried and true marketing strategy. Plus,…

Read More

Evaporated into Thin Air: Unseen Effects of Vaping on Health Insurance

October 31, 2019

Among many of the world’s new inventions, e-cigarettes have become a new craze. A recent article from Reuters reported that roughly 1 in 20 Americans are currently vaping or using…

Read More

Save on Car Insurance: Top 5 Ways to Secure a Cost-Effective Auto Policy

October 17, 2019

We are all trying to save more money, but sometimes there don’t seem to be any areas to cut back. One avenue to explore is ways to save on car…

Read More

All Risk Home Insurance Coverage: It’s a Risky Business to Go Without

October 15, 2019

We have all heard the horror stories about people not buying specific insurance coverage and then losing their homes to a tragedy. After an earthquake in California, our neighborhood chat…

Read More

Gap Coverage 101: What You Need to Know About Health Insurance

August 22, 2019

Mind the Gap There are several situations in life that cause people to either change their health insurance, end their health insurance, or have a gap in coverage. I recently…

Read More

Motorcycle Insurance 101: First Time Riders

August 13, 2019

The Cool Commuter When you think of motorcycles, a few things come to mind. Typically, they are thoughts related to the Sons of Anarchy. However, there are actually a lot…

Read More
Scroll To Top
%d bloggers like this: