There's a certain tendency for different car types to get quotes within a specific range due to the combination of factors intrinsic for the actual type. And it's crucial to understand the impact of different car types in terms of insurance and understand why they tend to garner car insurance quotes within a certain range:
Entry level
Entry level compact cars are usually the most convenient when it comes to driving around in a city with heavy traffic. Besides, they are very cheap and fuel efficient due to the small engine volume. But their size and the usual practice of fitting them with minimum safety features make such vehicles rather dangerous during accidents, causing a great deal of damage and injury to people inside of the car. As a result many entry level vehicles can get very hefty car insurance quotes due to their inferior passenger safety.
Medium class
Common medium class vehicles usually carry more advanced safety features while being very cost effective. Thanks to the larger size and mass they can withstand a serious impact with less damage and injuries. That's why such cars are regarded as optimal in terms of insurance costs. But there's also a huge variety of models in this popular vehicle class you can get a very serious fluctuation in car insurance quotes depending on the exact car you're trying to insure.
Large vehicles
Trucks, vans and SUVs are one of the safest car types you can buy. Their size and mass makes such vehicles safer for the people inside in case of a crash. But when you look at the liability costs their increased size is actually doing them a very bad favor - such cars tend to cause more damage to other cars and infrastructure. That is the reason why large cars usually cost more to insure since insurers have to deal with more expensive liability payouts associated with such cars.
Executive class
Executive class vehicles may look like ordinary sedans but they are a totally different breed when it comes to actual performance. These more expensive cars usually carry top-notch safety features while their performance during crush tests is at least higher than average. Yet again, they may require very expensive repair parts, which may push their insurance costs quote high. Still, if you shop around, such cars can actually deliver very affordable car insurance quotes.
Luxury vehicles
While luxurious cars can be rather safe and secure, the use of exclusive materials and very expensive repair costs make them a rather expensive type in terms of insurance. But this is certainly the type of car that makes insurance costs irrelevant.
Performance class
Most men dream about sports and muscle cars but they can turn into a nightmare when it comes to insuring them. Because such vehicles are made for power and speed they are traditionally driven in an aggressive manner. And insurance companies don't like aggressive driving at all. That is why you will usually get rather expensive car insurance quotes when trying to insure a fast and powerful vehicle.
Retro vehicles usually prove to be very expensive to insure due to several reasons. The scarcity of repair parts, which are no longer manufactured, and limited access to competent repair specialists means that such cars are rather costly to insure. But who ever said that classic cars are cheap in the first place?
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