How Does Your Choice Of Car Affect Your Insurance In Louisiana?

Posted on by agentinsure

In Baton Rouge, LA, you have safe driver discounts, student discounts, you can save a few bucks by taking a defensive driving class, and if you’re over twenty-five, you’re going to be looking at far cheaper insurance than your teenage nephew. No matter who Insurance & Financial Services, Inc. connects you to as a provider, one thing is going to affect your insurance above all else: Your choice of car. Here’s how:

  • Is it a safe car? This is the first thing many insurers look at. It may even be worth the cost to install newer safety features like full airbags and rearview cameras into your car in order to cash in on those discounts. To most insurance companies, trucks and SUVs are seen as the safest autos while motorcycles and sports cars are going to cost you a little more to cover.
  • The value of your car is important. If you’re driving a Lamborghini, that’s going to cost you a lot more to cover than a Hyundai. An exception to this rule would be the hybrid. A hybrid costs a little more, but runs you less on insurance for a comparably priced car running on fossil fuel.
  • Is it more likely to be stolen? Cars that are attractive to thieves will cost more to insure than a mid-size station wagon. You can offset these risks with anti-theft features like GPS tracking.
  • Whether or not a car is new can have an impact on your insurance costs, but it comes down more to the shape the car is in, the safety features, and so on. A new Porsche is going to cost you more to insure than a thirty-year-old Ford pickup, and a new SUV will cost less to cover than a classic Ferrari.

For any questions concerning your auto insurance policies, call or visit the offices of Insurance & Financial Services, Inc. in Baton Rouge, LA. Our agents can help you determine the perfect amount of coverage you may need for your automobile. Also, try our online rating tool for quotes on your car and home insurance.