Q: I got a different car, and it’s the same year and make as my old car, just a different model, but the cost of filing my SR22 form certificate rose by a lot! Why is that?
A: Although it may not seem to make sense that your car insurance SR22 form certificate rates will vary so widely among models, the truth is that poularity, prices, and the levels of safety do vary, and the rates follow that. One big thing which will affect your car insurance premium when you get a new car, especially concerning comprehensive coverage, is where your car stands on the most-stolen car list. Here are the top 10:
- Toyota Camry
- Honda Accord
- Honda Civic
- Chevrolet C/K
- Ford 150/250/350
- Jeep Cherokee/Grand Cherokee
- Oldsmobile Cutlass/Supreme/Ciera
- Dodge Caravan/Grand Caravan
- Ford Taurus
- Toyota Corolla
Newness doesn’t necessarily have anything to do with it. I had a Cutlass before, and I had to pay more to insure that car than I do on a car which is a few years newer, because my Oldsmobile had a good chance of being stolen. You also have to think that this list will not be the same for every car insurance company. Companies figure out rates based on their personal claims history.
