Why You Might Have Trouble Getting Auto Insurance for Your Car 

Getting auto insurance is usually a straightforward process, but certain factors can make securing affordable coverage more difficult. While your driving history and location play a role, the characteristics of your vehicle itself can significantly influence an insurer’s willingness to offer a policy.

How Your Vehicle Affects Insurance Availability

Insurance companies assess risk based on data, and your car’s specifications are a significant part of that equation. Consider how the following aspects of your vehicle may influence your ability to get coverage:

• Model—High-performance sports cars or luxury vehicles often have higher repair costs and are more likely to be stolen, making them riskier for carriers to insure. If your car is a rare or imported model, parts may be harder to find, which could also drive up repair costs and deter insurers.

• Make—Your vehicle’s manufacturer may also impact your premiums and coverage availability. For example, owners of vehicles often targeted by thieves might have more difficulty finding coverage.

• Year—The age of your vehicle matters too. Older cars may be less reliable and more prone to breakdowns. Alternatively, newer vehicles are typically more valuable, which increases insurers’ risk and may make them hesitant to offer coverage.

• Safety features—Automatic emergency braking, lane departure warnings, anti-theft devices and advanced airbag systems can all limit claims and costs. As such, insurers may feel less comfortable covering vehicles without such features. However, very new or high-tech vehicles might be more expensive to repair due to specialized components, which can also deter some carriers.

How to Get Auto Insurance Near Me

If you’re in the Acworth, Georgia, area and are having trouble finding the right auto insurance, look no further than The Insurance Gurus. Our knowledgeable and experienced team can explore options from many carriers and find you a suitable policy. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.