Does Black Cars Have Higher Car Insurance Rates?
Reader’s Question:
You know, I wonder why all the villains’ cars in the movies are always black. Is this the reason why black cars command higher auto insurance premiums in Shoreline Washington WA?
Savannah
Shoreline, WA
It certainly sounds as if you’ve watched a lot of movies and probably taken notes in most of them – does that make you a movie buff or a movie critic? I imagine you with your little notebook, stick-counting the times you see a villain with a black car. This observation is quite accurate – most cars belonging to villains and bad guys are usually black. But I’m sure you of all people can appreciate that Hollywood in general is all about image and branding and marketing. Black has always been connoted as bad, and certainly it looks more dramatic in the big screen than say, a yellow or orange car – it doesn’t feel as villainy, right?
But this fact is not taken into consideration by the insurance industry, Savannah. In fact, colors don’t really matter when you insure your car in Shoreline Washington WA. Only the make, year, brand and engine type are considered in evaluating your auto insurance. Credit history and driving record also affect your auto insurance premiums. Your relationship with your past auto insurance companies will also affect your premiums. If you are the sort who changes auto insurers from time to time, your next insurer might deem you a high risk applicant and therefore will charge you with higher premiums.
Auto insurance companies in Shoreline Washington WA will be happy to assist you, Savannah, in your search for auto insurance policies. Just give them a ring and do not hesitate to ask anything that has been bugging your mind.