Personal Vehicles

A private automobile is any vehicle constructed primarily for the carriage of passengers and is taxable for private use only. Examples include everything from cars and vans to trucks and SUVs, as long as they are used for personal transportation. With the market of personal vehicles expanding faster than ever, insurance companies are doing their best to keep up. If you think about it, just ten years ago the SUV market was substantially lower than it is now and the mini-van craze in full bloom. In response to the market shift, SUV insurance rates have decreased significantly within this time frame as competition has grown between insurance companies.  This example shows why shopping around for quotes on your auto insurance premium is the best defense against over paying.

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The current trend among personal vehicle consumers is towards the Hybrid.  A Hybrid engine is part electrical and which powers the vehicle at slower speeds.  A gasoline engine kicks in at higher speeds when the electrical portion has inadequate power to move the vehicle.  In addition to tax breaks, many auto insurance companies may offer discounts to those who choose to drive a hybrid. Hybrid models are available for both cars and SUV’s, with new models introduced annually.

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Things to Consider When Insuring a Personal Vehicle

There are many factors that could influence your premiums for a personal vehicle auto insurance. One of these factors is the type of vehicle you purchase. For example, you would probably pay more if you decide to purchase a zippy red sports car instead of a four door sedan.  State to state, you will also find variances between same make and models due to state-specific auto insurance regulations.  In some states, for example, your tiny, red sports car with only two seats in may be considered a high risk, while in another state it may not fall into the sports car category due to low horsepower which translates into lower premiums. Your premium will also vary depending on your choices on the levels of coverage, deductibles, amount of add on policies, such as rental reimbursement, towing and labor, special equipment/sound system coverage, and more.

You can also find coverage for commercial vehicles used for business, as well as your motorcycle, boat, or RV.

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: November 10, 2009