The type of vehicle that you own can affect your auto insurance. Unfortunately, most people do not understand this connection. Here are a few of the different factors about your specific car that can affect how much you pay for auto insurance. 

1. The Value of Your Car

One of the factors that can affect your auto insurance rates is the value of your car. If your car is stolen or is totaled, the insurance company may have to pay you the current value of your automobile. As such, they consider this as one of the factors to inspect when determining the price you will pay for auto insurance. 

2. How Frequently the Car Is Stolen

Another factor that is carefully looked in regards to auto insurance and the type of car you buy is how frequently that specific car is stolen. Some cars, such as older Hondas, tend to be easier to break into and steal, and thus are often targeted by thieves more frequently than other cars. If you have a car model that thieves seem to love to steal, your auto insurance rates may be higher than someone who has a car that is rarely stolen. 

3. The Cost of Car Accident Repairs

Insurance companies keep a lot of information. One of the pieces of information that they track and use when providing auto insurance is the average cost for repairs following an accident for different types of cars. Some cars sustain large amounts of damage if they are involved in even a minor fender bender. Some vehicles have expensive parts. Vehicles that have higher than average repair costs for car accidents may cost you more in insurance premiums. 

4. Safety Features 

The fourth way your chosen automobile can affect your auto insurance rates is the safety features that the car has. Cars with more safety features may decrease accidents, minimize damage after an accident, and/or keep you and passengers safe in an accident. These safety features often positively affect the costs associated with an auto insurance policy. 

If you are looking to purchase a new vehicle, it is important to take the time to get auto insurance quotes based on the type of car you are considering purchasing. This can help you to determine how various cars can affect your rate, and make a decision about which car is right for. Contact an auto insurance company today to get a free estimate for a car you are thinking about buying.