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Car Insurance in Hobart, Walton, Oneonta, Delhi, NY & Surrounding Areas

April 15, 2025

SUVs and Car Insurance: Things to Know

Owning an SUV comes with unique benefits, such as more space and enhanced safety features, but it can also impact car insurance rates. Robert O. Mable Agency provides car insurance in Hobart, Walton, Oneonta, Margaretville, NY, Andes, NY, Delhi, NY and surrounding areas.

These are key factors to consider when insuring an SUV:Car Insurance in Hobart, Walton, Oneonta, Margaretville, NY, Andes, NY, Delhi, NY,

  1. Higher Insurance Costs

SUVs often have higher insurance premiums compared to sedans due to their higher value, repair costs, and potential for causing greater damage in an accident. However, rates vary based on the make, model, and safety features.

  1. Safety Features Can Lower Premiums

Many SUVs come equipped with advanced safety features like collision avoidance systems, lane departure warnings, and airbags. Insurers often offer discounts for these features, helping to offset higher premiums.

  1. Risk of Rollover Accidents

SUVs have a higher center of gravity, making them more prone to rollovers. Because rollovers tend to cause severe damage and injuries, this risk can lead to higher insurance costs.

  1. Repair and Replacement Costs

Larger vehicles typically have more expensive parts and higher labor costs for repairs. Luxury SUVs with high-tech systems can be especially costly to fix, increasing insurance rates.

  1. Liability Considerations

SUVs can cause more damage in accidents, especially to smaller vehicles. As a result, insurers may recommend higher liability coverage to protect against costly claims.

  1. Theft Rates Matter

Certain SUVs are more likely to be targeted for theft. If your SUV model is frequently stolen, your comprehensive insurance rates may be higher. Installing anti-theft devices can help reduce costs.

  1. Usage Affects Rates

If you use your SUV for off-roading or towing, you may need additional coverage. Let your insurer know how you use your vehicle to ensure proper protection.

Comparing insurance quotes and taking advantage of discounts can help you find the best coverage at an affordable price.

Want to discuss this further?  We’re available by phone or email.