In comparison to other cars - is SUV car insurance actually cheaper? - By: morgan green

As you may almost certainly know, many variables are being used by insurers in an effort to determine insurance premiums. Without doubt , the make and model of your car plays a huge role. And rightly so. It would not be fair if all vehicles have to have exactly the same amount of insurance cover.

It really is common sense to presume that sport and expensive cars can be more expensive to insure. Bigger motors generate more horse power and as far as your insurer is concerned, this would mean higher insurance premiums.

But, does this actually mean that bigger vehicles are always more expensive to insure than smaller ones? The answer, believe it or not, is NO. Statistics show that, SUVs are more affordable to insure than a lot of cars. You are most likely wondering why?

Ok, there are 2 main reasons, both associated with the type of drivers who usually own such cars. SUVs are normally family vehicles. It is just natural for mothers and fathers who are driving their little ones to school or football practice to be far more careful on the road. They usually do not drive during the night or in poor weather conditions. What this implies, obviously, is that SUVs have better "accident history" than other cars. Its more likely that a young motorist will cause an accident with a small and less powerful car, than a mother driving an SUV on her way to the shopping center.

Insurance companies pay a lot of attention to these statistics. If a particular make and model has a great accident history, than its drivers will benefit from lower insurance premiums.

Another reason why SUVs are less expensive to insure is safety. Almost all family autos are loaded with safety features, which is certainly one of their primary selling points.

A good arguing point here is that SUVs are not really the most eco friendly vehicles out there. It won't be a total shock if in the near future insurance providers start offering discounted rates to "greener" cars.

About the Author

For the moment, having a SUV means that you have an even better chance of finding affordable car insurance. If you live in Florida, check out PIP Insurance Florida

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