It’s not just your driving history or credit score that can affect how much you’ll pay for car insurance Scottsdale AZ. The very car you drive can also have an impact on your annual premiums. Insurance companies take a wide variety of factors into account when calculating insurance premiums, including facts and statistics about your vehicle that you might not be aware of.

If you’re looking for ways to lower your car insurance premiums, then it pays to consider the following factors and understand the role they play in determining your monthly payment.

Vehicle Type

Do you own a flashy two-seater convertible that can lay down a mean strip of rubber at will? Then congratulations — chances are you’re paying more for your car insurance than your neighbor with the boring four-door sedan. Certain vehicle makes and models can have higher insurance premiums than others simply based on the information insurance companies gather.

For instance, luxury cars often have higher premiums due to their higher parts replacement costs, whereas mass-produced economy cars see much lower rates. There are plenty of exceptions to the rule, however. Two cars that seem alike to one another can have different quoted rates due to an added feature or lack thereof.

Ownership Statistics

Insurance companies collect and analyze a tremendous amount of data from customer claims and other sources. So it’s no surprise that insurance companies also gather information about the people who own them. Age, marital status and income demographics can affect vehicles popularly owned by those groups.

For instance, a vehicle that’s a favorite of older, wealthier drivers may have a lower premium than a vehicle owned by a younger, but less wealthy demographic.

Theft Statistics

A vehicle’s likelihood of being stolen can also have a big impact on your car insurance Scottsdale AZ rates. Certain models that are popular targets due to their lax security features or high parts demand can have higher rates than vehicles that are ignored by thieves.

Crash Safety

Insurance providers also take crash safety results into account when determining car insurance premiums for specific vehicles. A vehicle with high marks across the board in crash safety tests will likely have lower premiums than a vehicle that does poorly in the same tests.


Whether it’s a new set of alloy wheels, a drastic change in bodywork or upgrading your engine, vehicle modifications can drastically impact your quoted insurance rates. That’s because some car mods can add significant risk for an insurer in several areas.

For example, adding a turbocharger or a nitrous kit to your car not only increases its performance, but also turns it into a higher accident risk. Other modifications can increase the likelihood of your vehicle being stolen and either joyridden or simply stripped for its valuable parts.