It’s the stuff that legends are made of; well the urban legends anyway! You must’ve heard the rumor, or thought about it yourself, that cars painted a certain color are more likely to be ticketed by cops. Because of the fact that they are more likely to be ticketed claim the tales; it costs more to insure cars that are painted in a certain color. In most of the urban legends or old wives’ tales, red cars are absolutely the worst cars to buy simply because it costs a lot to insure them. The rates for car insurance in Canada may be more affordable than other states.
You’ve heard the legends and perhaps you’ve actually wondered if there is in fact any truth to the rumors. Does the color of your car really affect the cost of your insurance? Do the owners of red cars really need to be concerned?
Actual statistics and studies are difficult to come by to prove or disprove the legends. However, most police officers stress that it is not the car that commits the traffic violations; it is in fact the owner of the car. If you drive aggressively, weaving in and out of traffic and tailgating, you are likely to get a ticket or to be involved in a traffic accident. This happens whether or not you drive a red, white, blue, or green car. Traffic accidents and traffic tickets will increase your insurance rates no matter what color car you drive.
According to The Canadian Automobile Association, the color of your car may indirectly influence the cost of your car insurance. The Association discovered that people with certain personality types are more likely to purchase cars of certain colors. People who purchased red cars, according to their study, had a “need for speed”. Of course, people who speed on a regular basis are more likely to be involved in accidents or get tickets. This could result in higher car insurance.
Think about it: has a car insurance company ever asked you the color of your car when they are creating an auto insurance quote for you? The answer is no. A car insurance company will ask about the model, make and year of your car. They might even ask you where your car will be parked at night and how many miles you drive each day and per year. They will ask you other personal information including your age, education level, and if you are married however. If a car insurance company doesn’t ask about the color of your car, how can this affect your insurance rate?
As long as you have good driving habits and drive responsibly, the chances of you being involved in an accident are lower. You are also probably unlikely to be ticketed by a police officer. So, if you are thinking twice about purchasing a car in the color you really want simply because you are afraid that your car insurance will go up, think again. Your rates won’t go up. Go out and purchase that red car you’ve always wanted now! But…..be sure to drive it responsibly!
Complications could arise if you have no car insurance when you are involved in an accident. Go online to compare quotes from different insurers to find the most affordable quote for Ontario car insurance.