Car Insurance Company Rates in Alabama

Reader’s Question:

My name is Thornton from Alabama. I am planning to buy a black car. Will that add to my car insurance rate in Alabama?

Thornton

Decatur, AL

Thornton, insurance companies look at a lot of factors in computing your car insurance premiums. You can go ahead and buy your black car or any color, it really doesn’t matter, because the color of a car is a non-factor in computing your premiums. But there are ongoing studies conducted which try to determine whether the color of car contributes to risk. So, buy whatever color tickles your fancy now, as it may be a factor the next time around.

Mostly, car insurance companies look at the year, make and model. Also, the risk of theft to your car is a huge factor in premium computations, if you live in one of the most populated cities in the USA. There exists a list somewhere of “safe” cars that are least likely to be stolen, and others that are more likely to be targets of car theft. For instance, a Chevrolet Corvette is more likely to be stolen, with as much as five times probability than the average claims for theft for all car models. Go ahead and buy the color that you want; just take into consideration the “safety” of the car. Here are some cars that are likely to be snob by car thives. Audi A3, A4 and A6, Hyundai Entourage, Honda Civic, Subaru Impreza, Subaru Legacy, BMW 3 series, Kia Sedona, Mercury Montego, Volkswagen Jetta and the Ford Five Hundred..