How does car make affect car insurance?
Several factors affect the amount of your car premium, such as your age, where you live and the number of claim-free years you have accumulated. But did you know that the make of your car can also affect your car insurance?
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You can insure these car brands through Alpina
- Audi
- BMW
- Ferrari
- Land Rover
- Lamborghini
- Maserati
- Mercedes
- Porsche
- Tesla
- Volkswagen
This is how the amount of the auto premium is determined
When setting the car premium, the insurer estimates how high the risk is that you will cause or receive damage. Here, the higher the risk, the higher the premium.
Power, weight and age of the car are often considered. For example, a large, heavy car will cause more damage in any collision than a light, small car. Therefore, this affects the amount of the premium.
Insurers look primarily at statistics in this regard. For example, it appears that more car accidents happen in the Randstad. Do you live in the Randstad? Then you probably pay more premium than someone who lives outside it.
Age also plays an important role. In fact, it has been found that young people cause more damage per year. Someone under 24 therefore pays a higher premium than someone of 54.
Why does an insurer look at the car brand?
Car make also affects your car insurance. When insurers dive into statistics, they also look at a car make's claims history.
For example, it appears that Tesla drivers claim more damages from their car insurance than other drivers. Because a Tesla is heavier and quieter than average, relatively more accidents happen. Also, because of the complexity of an electric car, the repair costs of a Tesla are a lot higher than other cars. For this reason, there is also a special Tesla insurance policy.
Another example: a Volkswagen Golf is one of the most stolen cars in the Netherlands. Therefore, the premium of a Volkswagen Golf is often higher than, say, a Renault Clio.
Insurers look to see if the type of vehicle has caused many accidents in the past. If this turns out to be the case, the insurer sees this as an increased risk. And so a higher risk means a higher premium. So the car make can affect the car insurance premium.
The color of the car
The color of a car can also affect the amount of the car premium. For example, dark cars are often less visible, especially in poor weather conditions. This makes it more likely that another driver will not notice the car and crash into it.
Not with every insurer is it more expensive to insure a dark car: it varies from one company to another. This is why it is always important to compare car insurance policies.
Compare auto insurance policies
Whatever brand of car you have, you obviously want to insure it properly. On Alpina.nl you can easily and quickly compare the premiums of different car insurances. With our online tool you can instantly calculate an indication of the car premium. So you can compare car insurances on price and content.
With our online tool you can calculate an indication of the car premium. This allows you to compare car insurance policies by price and content. This way, you will find out which insurance is best for you and your car.
Alpina.nl helps you get cheap car insurance
We are happy to help you get cheap car insurance, whatever make of car you have. Do you still have questions? Or would you like someone to help you compare? Then please contact us. We are available Monday to Friday from 08:00 to 18:00. You can call us at 088 - 688 37 00 or send us a message via chat, WhatsApp or e-mail.
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Frequently Asked Questions
Why are some car brands more expensive to insure?
Some car brands are more expensive to insure because they are more often involved in damage, have higher repair costs or are more attractive to theft. Brands such as BMW or Audi often fall into a higher premium group because of more expensive parts and advanced technology.
Is a Volkswagen cheaper to insure than a BMW?
Yes, in general, a Volkswagen is cheaper to insure than a BMW. BMWs are often seen as premium vehicles with higher repair costs and higher purchase values, leading to higher insurance premiums.
Which car brand is the cheapest to insure?
Car brands such as Toyota, Hyundai and Dacia are known for their low insurance costs. These brands often have reliable models with low damage and theft rates, resulting in lower premiums.
Does the type of car within a brand make a difference for insurance?
Yes, the specific model and type within a car brand will affect your insurance. A sporty model or SUV is usually more expensive to insure than a compact city car of the same brand because of power, weight and damage sensitivity.
Is the damage sensitivity of a brand factored into the premium?
Certainly, insurers look at damage and theft statistics by car make and model. A make that is more often involved in damage or has higher repair costs is given a higher risk rating and thus a higher premium.
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