short term car insurance and car colours

The Relationship Between Vehicle Colour And Insurance Premiums

There are many factors that determine what an individual will pay for automobile insurance. The most common considerations are the type of vehicle, the policy holder’s driving record, accident history and the age of the insured vehicle. One not so common consideration, and the source of much debate, is whether or not the colour of the insured vehicle plays a role in the insurance premium. Let’s delve into this discussion with some facts and fallacies.

Do red automobiles attract the attention of police officers resulting in a disproportionately high number of traffic violation charges? Probably not. In fact, it has been proven that traffic violations themselves attract the attention of police officers regardless of the colour of the vehicle. Do fast vehicles such as sports cars look better painted red or yellow? No doubt about it. Are the driver’s of these vehicles any more likely to violate the speed limit or be involved in an automobile accident than those that drive other vehicles? Probably not. And that is why very few, if any, insurance companies consider the colour of a vehicle when calculating short term car insurance premiums (click here for more information about short term car insurance or visit this site).

A more appropriate and intriguing examination into the origin of such a question as to the relationship of vehicle colour to insurance premiums would be a psychological study of the vehicle owner and color selection of said vehicle. Are those that are prone to aggressive driving habits such as speeding and reckless maneuvers on the roadway more likely to choose flashy colours for their vehicles? Do delusions of superiority and grandeur compel a person to purchase a vehicle that is painted an eye catching color? If so, does that person’s narcissistic, psychological state cause him or her to operate the vehicle is such a manner that would warrant higher short term car insurance premiums. That determination is best left to the psychiatrists and is not likely an assumption that insurance companies would make.

In summary, the answer to the question, “Does the colour of a car affect its insurance premium” is more than likely no. However, it is ultimately the decision of the individual insurance companies to charge whatever premium they like within the confines of the law. The prudent car owner would be best served by diligent research regarding the selection of an insurance company to insure his or her vehicle. It should be remembered that accident history, driving record and type of vehicle insured will be the primary determining factors in the calculation of short tem car insurance premiums.
.