Is it probable that auto insurance for SUV is less expensive?

As you almost certainly know, numerous factors are used by insurance companies so they can determine insurance costs. No doubt , the model and make of your vehicle plays an important role. And rightly so. It wouldn't be sensible if all vehicles have to have the same level of insurance cover.

Its common sense to assume that sport and expensive cars are more expensive to insure. Bigger motors generate more hp and as far as your insurer is concerned, this means higher insurance premiums.

Nevertheless, does this really mean that larger vehicles are always more expensive to insure than small ones? The answer, believe it or not, is NO. Statistically, SUVs are cheaper to insure than many cars. You are most likely asking yourself why?

Ok, there are actually 2 main reasons, both related to the kind of drivers who generally own such cars. SUVs are commonly family vehicles. It is just natural for moms and dads who are driving their young children to school or basketball practice to be more careful on the road. They tend not to drive during the night or in bad weather conditions. What this implies, obviously, is that SUVs have better "accident history" than some other cars. Its more likely that a young motorist will cause a crash with a small and less powerful vehicle, than a mom driving an SUV on her way to the supermarket.

Insurance providers pay quite a lot of attention to these statistics. If a certain model and make has an excellent accident history, than its drivers will benefit from lower insurance costs.

One more reason why SUVs are less costly to insure is safety. Just about all family vehicles are packed with safety features, which is one of their primary selling factors.

A solid arguing point here is that SUVs are not exactly the most eco friendly vehicles out there. It won't be a total surprise if in the very near future insurance companies start giving discount rates to "greener" cars. In the meantime, owning a SUV suggests that you have a better chance of finding affordable auto insurance.