BY SOLO INSURANCE®  Apr 2018, Updated Jan 2026

How Picking the Right Car Can Save You Money on Car Insurance

Did you know that your vehicle choice can affect your car insurance rate? Clearly, a more expensive brand of vehicle costs more to insure than a less expensive brand. But, did you know that even between two of the same year/make/models your car insurance rate could vary? How can this be?

Your car choice matters to your insurance company. Insurance companies can easily pull vehicle and accident records to use for rating each risk. Therefore, two of the same vehicles (year, make, model) could have two different rates. One could have been in an accident and the other clean, for instance. Many car insurance companies factor these vehicle histories into their ratings. Plus, it’s also useful information for you to know before you buy.

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Check Insurance Rates Before You Buy

In some ways this is a no-brainer. A high-end vehicle typically costs the same buyer more to insure (think Porsche Cayenne versus Chevrolet Tahoe). But, if you’re deciding between a couple similar vehicles, car insurance rates could change your decision. Help your decision process by checking the insurance rates before you buy.

Please note, there’s no actual list the car insurance companies hand out, and rates vary dramatically from company to company. From their perspective, low-profile vehicles (those less likely to be stolen) are less to insure than their high-profile opposites. Similarly, low-risk vehicles (based on cost plus safety and theft data) cost less than the high-risk. Their auto insurance rates reflect this.

Other resources are out there for vehicle information and histories. Some charge and some are free. A simple search will give you options. Also, the Insurance Institute for Highway Safety (IIHS) provides vehicle ratings and safety data you can use to help you make an educated decision.

Picking the Right Ride Isn’t Just About Style—It Can Impact Your Wallet, Too!

To summarize, even two of the same cars can vary in cost to insure. Know before you buy. Whatever vehicle you choose, at Solo Insurance^®  we shop the rates for you upfront and at renewals. We always make sure you are with our best rate for your insurance needs. Plus, we’ve been doing car insurance for a long time. Family/Veteran owned since 1994. Get your car insurance quote. Or, don’t own a car but need an SR22?  Quote here.

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Solo Insurance® where great rates and personalized service meet.  – Veteran/Family owned since 1994 –
We shop the rates for you upfront and at renewals to ensure you get our best rate every time.
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because at Solo, you’re a person, not a policy.