Color of car jacks up the price (car insurance, vehicle, auto)
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So just testing the waters and change my color my car from black to red and it jump by 50 bucks!. Change it white, 30, blue 80 bucks.. You would think the brighter the car more safe and visibility it is.
I always thought that was a myth that was created due to many sports cars being red and the notion that sports cars get into more accidents. They are often more expensive to repair than the average car.
It sounds like discrimination to me, judging a car on its colour..
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
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For purchase price and insurance yes, the color matter. It cost a lot more to paint my Challenger, for example, "Redline Pearl triple coat" than plain white. That raises the cost of the car. Then your insurance is based on replacement cost and repair (body work) cost. Anything metallic or with pearl and more coats will be more.
This is why most fleet trucks and cars are white, in addition to being easier to letter with the agency or company logos.
Insurance companies have no idea what color your car is, so it has no impact on your premium. The VIN doesn't indicate the color of a car and color isn't asked on the ISO form for a PAP (Personal Auto Policy). As a licensed agent, I can say with certainty that color is not relevant to the cost of insurance.
As mentioned, certain finishes (metallic, pearl, etc.) are more expensive to repair/replace. But these differences are averaged across a model line and not assessed per individual vehicle with a specific finish.
Insurance companies have no idea what color your car is, so it has no impact on your premium. The VIN doesn't indicate the color of a car and color isn't asked on the ISO form for a PAP (Personal Auto Policy). As a licensed agent, I can say with certainty that color is not relevant to the cost of insurance.
As mentioned, certain finishes (metallic, pearl, etc.) are more expensive to repair/replace. But these differences are averaged across a model line and not assessed per individual vehicle with a specific finish.
I assume it didnt, but the quotes were different when i gave them random colors. The myth is bright colors such as red is higher vs black is cheaper because of visual issues.
Insurance companies have no idea what color your car is, so it has no impact on your premium. The VIN doesn't indicate the color of a car and color isn't asked on the ISO form for a PAP (Personal Auto Policy). As a licensed agent, I can say with certainty that color is not relevant to the cost of insurance.
As mentioned, certain finishes (metallic, pearl, etc.) are more expensive to repair/replace. But these differences are averaged across a model line and not assessed per individual vehicle with a specific finish.
While the VIN does not contain color information, it is most certainly accessible. If you enter your VIN into any number of free online VIN decoders and it will correctly identify the vehicle color. I just plugged my Toyota VIN into two different ones and both showed the correct color and the one even showed the interior color as well.
Additionally, I have never told my insurance company the color of my vehicles but when I login to the online portal it shows the exact color for each of my vehicles listed. I don't have an agent, as I bought my policy online. I pay the bill online, etc.
I've only spoken to a representative on the phone one time and that was when we sold a vehicle and needed it removed from the policy.
I assume it didnt, but the quotes were different when i gave them random colors. The myth is bright colors such as red is higher vs black is cheaper because of visual issues.
What insurance website is asking you the color of your car? I have used pretty much every legit car insurance website to get quotes and I have never, not once been asked the color of my car.
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