How Your Car Impacts Your
Auto Insurance Rates

Auto insurance is non-negotiable in New York State. To be able to register and operate a motor vehicle in the state, you must have insurance for the vehicle. If you are caught driving without insurance, your vehicle will be impounded, you will be charged a fine, you may have your license revoked, and you may spend up to 15 days in jail. So, as we mentioned before, it is mandatory and there are stiff penalties for not following the law. We understand that you have many bills that you must pay every month besides your car insurance. That is why you need to consider every factor that impacts your auto insurance premiums.

One common question that drivers have regarding insurance is “Does my car affect my auto insurance rates?” The short answer is yes. That is because your premiums are based on many factors including the average cost of repairs for your vehicle and the replacement cost of your vehicle. Luxury brands such as BMW, Range Rover, and Cadillac will typically have higher insurance premiums because of the higher cost of replacement parts. More economical vehicles tend to have more affordable insurance rates.