Auto Insurance Cheaper for Larger Cars






Car insurance rates for larger cars can be significantly lower than the rates for smaller cars. The main reason for the difference lies in the fact that larger cars are safer to drive. SUVs and Mini-vans rank among the least expensive cars to insure because of their size and the tendency for their drivers to behave more responsibly on the road. Smaller cars are more expensive to insure because they suffer damage more easily and their passengers are at a higher risk for injury. In addition, small car owners are more likely to be teens because they are more affordable.

Lower Risk of Severe Injury

Most large cars are for families. This means they are equipped with the latest safety technology. Parents demand their cars be as safe as possible to protect their children in the case of an accident. Front and side airbags, curtain airbags, stability control, and anti-lock brakes are common on larger cars. The roominess of the interior also allows more space for passengers, making them less likely to become injured from striking other parts of the interior in a crash. Smaller cars can cause more injuries because the passenger spaces are so much smaller.

Safer Drivers

Not only are the vehicles safer, their drivers tend to be more responsible as well. People traveling with children tend to drive more defensively than if they were alone or with another adult. The accident rate for larger cars is lower because people driving them pay closer attention to the way they drive. In addition, many family cars have drivers that fall into the less expensive insurance range, based on marital status and age. Younger drivers don’t generally purchase large vehicles.

Sustain Less Damage in a Collision

The sheer size of a large vehicle makes it less expensive to insure, as well. When a large car runs into another car or object, the impact spreads over a wider area of the vehicle because the body is so big. This lessens the force to any one point in the vehicle. Large cars tend to sustain less damage, especially when in collisions with smaller cars that absorb much of the impact. For example, if a small car runs into a fire hydrant, the entire front end of the car could crunch up into the windshield. A larger car running into a fire hydrant will probably only sustain damage to the front bumper and possibly part of the grill.


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