Does a Car’s Color Affect an Auto Insurance Quote?
Over the years many people have believed that the color of your car affects the amount you will pay for insurance. The reason that is usually given for this is that people with red car get more tickets than people with other colors. It is also noted that red car drivers are more prone to accidents. Let’s look in detail at the situation and see the answer to this question.
Personality
It is said that people who choose red cars have a personality that makes them more prone to drive fast and recklessly. On the same token there are probably numerous people who own red cars and have never had a ticket or been in an accident. This information makes it seem pretty unfair that you would be charged extra because your car was red.
Lack of Evidence
It must also be considered that there is no official database that relates car color with the amount of tickets or accidents that are associated with each color. Some people say that insurance companies use the VIN number to determine a cars color. There are many details that can be discovered about a car through the VIN number such as make, model and country of production. However a particular cars color is not coded in with the VIN.
The Truth
People who drive red cars are charged no more than people who drive green, black, white or even purple cars. If you own a red car and drive carefully to avoid accidents and speeding tickets, your insurance rates will be just as low as the next person. In fact, if your car has additional safety features such as side airbags, your rate may actually be lower than that of someone with a non red car!