Hybrid Car Auto Insurance Rates – Free Quotes Online
Reader’s Question:
I’m just wondering why hybrid cars and high tech cars get higher auto insurance premiums rates here in Idaho. Aren’t we supposed to give these cars extra credit because of their environment-friendly nature?
George
Boise, ID
You have a point, George. I totally agree with you. Auto insurance companies, however, have a different point of view on this. Hybrid cars and high tech autos get high premium rates precisely because of their high tech nature. High-tech or hybrid cars have parts and circuits that are not in regular cars. They have parts that function differently compared to regular cars. Because of this, the parts are more expensive and not usually readily available from your friendly neighborhood auto parts store. When you need to have a hybrid car repaired and some parts need to be replaced, it’s going to cost the insurance company more.
Also, hybrid or high tech cars need “hybrid” mechanics. Hybrid cars are complex creatures and sometimes your usual mechanics may not be able to figure out what’s wrong with your car. You need someone with additional expertise. Mechanics will have to have a different training to handle hybrid or high tech cars. These mechanics’ service fees are not cheap, either. So, hybrid and high tech car parts are more expensive than what we are used, too. These are complex cars and they need mechanics trained specifically for these types of cars. It’s a sort of a field of specialization. And if you’re a car specialist in Idaho, you don’t come cheap.
Cheap Comprehensive Car Insurance in Idaho – Free Rate Quotes
Reader’s Question:
What is exactly is the difference between comprehensive automobile insurance and collision insurance? I’m Anne from Nampa, Idaho, and I need information. Thanks!
Anne
Nampa, ID
Well, hello, Anne from Nampa, Idaho. I’m Dave, and I’ll be glad to fill your information needs. Let’s start first with collision automotive insurance. It’s the type of insurance that covers you when your car, as the name implies, collides with something, may it be another car or some other inanimate object. You’re also covered for a car rollover, which means literally just that, your car rolling over. For cases like these, the automotive insurance company will pay for the damages up to the car’s fair market value. Fair market value is the price that the car would get in the current market place, provided that both buyer and seller are informed about the property and are free from trade pressures. Simply put, it’s how much the car would sell at the time. Additionally, collision insurance policies work on a no-fault basis, meaning that you are covered regardless of whose fault it is.
Comprehensive insurance, on the other hand is the type that protects you from damages that are caused by everything else apart from collisions. Hence, the name comprehensive. Instances of such are fortuitous events, like flood or earthquakes, vandalism or theft. But of course, you have to read your policy carefully to know the exact details of your insurance plan.
