Auto Insurance for Your SUV

April 28, 2008

If you are thinking about the purchase of an SUV, you are probably already aware that they are quite expensive – that’s pretty common knowledge, especially at the gas pump. However, did you know that your auto insurance is also going to be more expensive? Insurance analysts say that the cost of insuring an SUV will average out to be 10 to 20 percent more than insuring an automobile.

Other variables factor in when figuring the price of insurance for these vehicles. The city and state where the SUV will be driven, the credit history and driving record of the driver, and whether the vehicle is outfitted with any sort of anti-theft devices can all play a part in how much your premium is going to end up costing you.

With all the hype about the SUV being so much safer to drive than a car, you would think that these vehicles would cost less to insure – not more! Most people who drive these larger vehicles say that they feel safer in them. They may feel safe, but this does not mean that their driving is any safer, and the insurance companies know this. They do tend to come out of an accident with less damage than a car would get, but the damage that they do receive is much more expensive to have repaired. Since their bumpers can be considered a bit fragile, as they do not have to meet the standards set by the government for bumpers, just a little bump by another vehicle can end up costing hundreds of dollars to repair.

SUVs are also built differently than cars, which can make them more dangerous to drive. These vehicles do not have a balanced center of gravity because they are tall. This makes them much more prone to flipping over when taking a turn at a high speed, trying to steer clear of a collision, or actually being involved in a collision. Any time an SUV rolls, it is expensive to repair both the vehicle and the humans who get hurt. The insurance companies know this, and charge accordingly.

The weight of the SUV can cause it to do extensive damage to a small car, even if the accident was not considered a major one. This also adds to the premium. In addition, any time a person is injured by an SUV, his chances of being badly injured are 300% more than if he or she had been hit by a car. Is it any wonder that SUV insurance premiums are more expensive?

You can compare prices by doing your homework and checking out the insurance companies you are most interested in and seeing which one will insure your SUV for the lowest price.

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