New York Auto Insurance – How Your Car Affects Your Rates

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New York Auto Insurance – How Your Car Affects Your Rates

It’s sad to see good people wasting hard-earned dollars as they pay a lot more for their New York auto insurance than they should just because they don’t have a little piece of information. It is even more painful when they lose up to $1000 just because they don’t know. This piece will address this partly as you learn how the car you choose affects your New York auto insurance rates.

There are a lot of cars out there today. The difference between two cars may just be media hype or the class attached to one and not features. How established a manufacturer is in the business could also affect the value attached to a car. Other factors that a lot of us will also consider are things like fuel consumption, how safe a car is and how trendy it looks. As the buying decision is being made you’re very unlikely to see anyone who will ask how a car will affect their New York auto insurance rates. If you really consider how much your auto insurance rates can translate to over time and that you could save a bundle by simply buying a similar car by another manufacturer, you’ll agree that it’s certainly worth taking note of.

Based on data on the risk associated with each car over a period, cars are grouped accordingly. Certain cars have built a reputation of durability. Others may have built a safety reputation. In the same way a car might have proven over years that it costs insurers much and, therefore, attracts higher New York auto insurance rates.

You’ll soon see that two comparable cars can attract hugely different rates. The following list (according to Reuters) is the list of the ten least expensive cars of the 20 best-sellers…

  • Chrysler Town & Country
  • Chevrolet Cobalt
  • Dodge Caravan
  • Chevrolet Impala
  • Ford Taurus
  • Ford Econoline
  • Jeep Grand Cherokee
  • Chevrolet Malibu
  • GMC Sierra Pickup
  • Toyota Corolla
  • Now let’s see the most expensive to insure in order of their expensiveness…
  • Ford F-Series
  • Dodge Ram Pickup
  • Ford Explorer
  • Honda Civic
  • Chevrolet Silverado-C/K Pickup
  • Toyota Camry
  • Honda Accord
  • Chevrolet Trailblazer
  • Nissan Altima
  • Ford Focus


You can lower your New York auto insurance rate by simply picking a comparable car that costs less to insure. If your mind is set on a car that is expensive to insure, you can’t take advantage of the savings possible here. However, we know that for most of us the price/value is also an important factor.

I know there are only twenty cars in the combined list. This means that yours may not be covered. The aim is to clarify a point and not to present a comprehensive list. It is that you have to take into consideration what you’ll have to pay as premium before settling for a car. The decision to buy a car that is a lot more expensive to insure will then be an informed one.

The real amount that could be forfeited is worth knowing too. This will make you weigh your options better. A quick way to do this is to use insurance quotes sites that return New York auto insurance quotes, fill the form twice with the only difference being the car make you choose. subtract the difference in the quotes returned and you’ll see the exact cost. This won’t take much time since it’s a very simple task.

I must also point out that you can lower your New York auto insurance rates even if you’ve already bought your car. All you have to do is get and compare quotes from up to five insurance quotes sites. The more the number of New York auto insurance quotes you get, the more likely you’ll reduce your New York auto insurance premium by a wider margin.


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