Investigating the Connection between Car Color and Auto Insurance Costs

The belief exists that drivers of red vehicles get more speeding tickets than those with other colored vehicles. Another commonly held belief is that car insurance companies use the color of your vehicle in determining your rates. The experts at ChoiceAutoInsurance.com not only want to give you the chance to find cheap insurance online with our numerous auto insurance quotes, but we also want to dispel several of the above-mentioned myths.

Although no one keeps official statistics, stories and anecdotes help to reinforce the urban legend that red vehicles get more tickets and are more expensive to insure. However, there is no substantial evidence to support these claims. The lack of statistics makes it impossible to determine which color vehicles get more tickets. Furthermore, police and insurance companies deny any link between color and an increase in tickets or accidents.

If car color does not affect the number of tickets you receive, what does it say about your personality? CAA Magazine, a publication of the Canadian Automobile Association, looked at the “psychology behind your choice of car color”. According to their analysis, the color red supposedly signifies you have a “need for speed…and to be noticed,” which may add to the perception that red vehicles receive more tickets.

ChoiceAutoInsurance.com wants to point out that insurance companies normally do not use color to determine premiums. Some people have even suggested that insurers use the Vehicle Identification Number (VIN) to determine the car color and use that information, in part, to set the rate for each vehicle. However, color is not one of the details stored in a VIN. Unless your auto insurance company asks you, they really have no idea what color your vehicle is. Therefore it should not affect your rate.

Factors like year, make, model, body type, and engine size are taken into consideration rather than color when an insurance company determines a driver’s premium. The Highway Loss Data Institute (HLDI) maintains reports on insurance losses for different makes and models. Some insurers may use this information to adjust the rate quote. Of course, your rate quote may be higher if your auto is expensive, or lower if it has important safety features like air bags. You may also save money directly on cheap car insurance from industry leaders at ChoiceAutoInsurance.com.

If you keep your red car near the speed limit, stop at red lights, yield to oncoming traffic, and make your cell phone calls when you are stopped, you will probably keep your rates low, regardless of your car’s color. ChoiceAutoInsurance.com guarantees you cheap car insurance rates from multiple online auto insurance quotes…no matter what color vehicle you drive.

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