How does the car brand affect car insurance?
Several factors affect the cost of your car insurance premium, such as your age, where you live, and the number of claim-free years you’ve accumulated. But did you know that your car’s make can also affect your car insurance?
14 days reflection period
Try our product risk-free with the 14-day satisfaction guarantee
A wide selection
We compare most insurers for you
Help from our experts
Can't figure it out? Our experts are always ready to help you
You can insure these car brands through Alpina
• Audi
• BMW
• Ferrari
• Land Rover
• Lamborghini
• Maserati
• Mercedes
• Porsche
• Tesla
• Volkswagen
This is how the car insurance premium is determined
When determining your auto insurance premium, the insurer assesses the risk that you will cause or suffer damage. The rule is: the higher the risk, the higher the premium.
People often consider a car’s horsepower, weight, and age. For example, a large, heavy car will cause more damage in a collision than a light, small car. That’s why these factors affect the premium amount.
Insurance companies primarily look at statistics when determining premiums. For example, statistics show that more car accidents occur in the Randstad. Do you live in the Randstad? If so, you’ll likely pay a higher premium than someone who lives outside the Randstad.
Age also plays an important role. It has been shown that younger people cause damage more frequently each year. As a result, someone under 24 pays a higher premium than someone who is 54.
Why does an insurer look at the car brand?
The car brand also affects your auto insurance. When insurers analyze the statistics, they also look at a car brand’s claims history.
It turns out that Tesla drivers file more insurance claims than other drivers. Because a Tesla is heavier and quieter than average, there are relatively more accidents. Also, due to the complexity of electric cars, repair costs for a Tesla are significantly higher than for other cars. That’s why there’s also a special Tesla insurance policy.
Another example: the Volkswagen Golf is one of the most frequently stolen cars in the Netherlands. As a result, the insurance premium for a Volkswagen Golf is often higher than that for, say, a Renault Clio.
Insurers check whether a particular type of vehicle has been involved in many accidents in the past. If this is the case, the insurer considers it a higher risk. And a higher risk means a higher premium. This is how a car brand can affect the car insurance premium.
The color of the car
A car’s color can also affect the amount of the auto insurance premium. For example, dark-colored cars are often less visible, especially in bad weather. This increases the likelihood that another driver will fail to notice the car and collide with it.
It isn't necessarily more expensive to insure a dark-colored car with every insurer: this varies by company. That's why it's always important to compare car insurance policies.
Compare Car Insurance Policies
No matter what make of car you have, you naturally want to make sure it’s properly insured. At Alpina.nl, you can quickly and easily compare premiums from different car insurance providers. With our online tool, you can instantly get an estimate of your car insurance premium. This allows you to compare car insurance policies based on both price and coverage.
With our online tool, you can get an estimate of your auto insurance premium. This allows you to compare auto insurance policies based on price and coverage. That way, you can find out which policy best suits you and your car.
Alpina.nl helps you find affordable auto insurance
We’re happy to help you find affordable car insurance, no matter what make of car you drive. Do you have any questions? Or would you like someone to walk you through the comparison process? Please don’t hesitate to contact us. We’re available Monday through Friday from 8:30 a.m. to 5:30 p.m. You can call us at 088 – 688 37 00 or send us a message via chat, WhatsApp, or email.
Never Underinsured
Create Your Own Package
A wide selection
We compare all insurance companies for you, saving you time
Help from our experts
Can't figure it out? Our experts are always ready to help you
Frequently Asked Questions
Why are some car brands more expensive to insure?
Some car brands are more expensive to insure because they are more frequently involved in accidents, have higher repair costs, or are more attractive to thieves. Brands such as BMW or Audi often fall into a higher premium group due to 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 viewed as premium vehicles with higher repair costs and higher purchase prices, which leads 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 offer reliable models with low accident and theft rates, which results in lower premiums.
Does the type of car within a brand make a difference when it comes to insurance?
Yes, the specific model and type within a car brand affects your insurance. A sports car or SUV is usually more expensive to insure than a compact city car of the same brand because of its power, weight, and susceptibility to damage.
Is a brand's susceptibility to damage factored into the premium?
Certainly, insurers look at statistics on damage and theft by car make and model. A make that is more frequently involved in accidents or has higher repair costs receives a higher risk classification and, therefore, a higher premium.
We'd be happy to help you right away
Having trouble figuring it out online? We're happy to help you via chat or WhatsApp.
We are open Monday through Friday from 8:00 a.m. to 6:00 p.m.