What influence does the car make on a car insurance?
There are several factors that influence the amount of your car premium, such as your age, place of residence and the number of years without claims you have built up. But did you know that also the brand of your car can influence the amount of your car premium? We explain to you the influence of the car brand on your car insurance.
How is the amount of the car premium actually determined?
In determining the level of a car premium, the insurer estimates the risk of you causing or receiving damage. The rule here is: the higher the risk, the higher the premium. They often look at the power, weight and age of the car. For example, a large, heavy car will cause more damage in the event of a collision than a light, small car. Therefore, this will influence the amount of the premium.
Insurers mainly look at statistics. It turns out that more car accidents happen in the Randstad. If you live in the Randstad, you will therefore probably pay more in premium than someone who lives outside that area. Age also plays an important role. It turns out that young people cause more damage per year. Someone under 24 therefore pays a higher premium than someone of 54.
Car insurance: why does an insurer look at the car make?
The make of car also affects your car insurance. When insurers dive into the statistics, they also look at the claim history of a car brand. It appears that Tesla drivers claim more damage from their car insurance than other drivers. Because a Tesla is heavier and quieter than average, relatively more accidents happen. Also, due to the complexity of an electric car, the repair costs of a Tesla are much higher than for other cars. For this reason, there is also a special Tesla insurance.
Of course, there are fewer Tesla cars than Kia cars on the road, but that does not mean that the premium is necessarily lower for other car makes. A Volkswagen Golf is one of the most stolen cars in the Netherlands. The premium for a Volkswagen Golf is therefore often higher than for, say, a Renault Clio. Insurers look at whether the type of vehicle has caused many accidents in the past. If this is the case, the insurer sees this as an increased risk. And a higher risk means a higher premium. So the car make can influence the car insurance premium.
The colour of the car
The colour of your car can also affect the amount of the car premium. For example, dark cars are often less visible, especially in bad weather conditions. This increases the chance of another driver not noticing the car and colliding with it. It is not more expensive to insure a dark car with every insurer: this differs per company. That is why it is always important to compare car insurances.
Compare car insurances
Whatever brand of car you have, you obviously want to insure it properly. At Alpina.nl you can easily and quickly compare the premiums of various car insurance policies. With our online tool you can calculate an indication of the car premium. This allows you to compare car insurance policies on price and content. This way you will find out which insurance suits you and your car best.
Alpina.nl Helps you get cheap car insurance
We will be happy to help you get a cheap car insurance, no matter what brand of car you have. Do you have any questions? Or would you like someone to help you compare car insurances? Please contact us! We are available Monday through Friday from 8:00am to 6:00pm. You can call us at 088 - 688 37 00 or send us a message via chat, WhatsApp or e-mail.
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