Reader’s Question:

I’m thinking of purchasing a more eco-friendly car here in Wisconsin. What do I have to know about hybrid car insurance?

Lacie

Milwaukee, WI

Having a hybrid car is a wise and smart choice, especially now that our world is facing a global environmental issue. And with fuel prices becoming tremendously high in the world market, having a more eco-friendly car can certainly reduce not only the pollution but also your fuel consumption costs and even your car insurance rates.

Yes, it’s true; many car insurance companies are now offering discounts on hybrid cars. Most companies offer a ten percent discount on your hybrid car insurance premiums, and some there in Wisconsin may offer even higher. This is due to the “good” rating given to drivers and owners of hybrid cars. Insurance companies consider hybrid car owners and drivers as more responsible and more mature, which translates to being better decision-makers while on the road. And being more responsible driver means less accidents and less claims, making it favorable for the insurance company, thus offering you with better deals and higher discounts.

And if you want more discounts added to your car insurance policy, make sure that you pack your car with the latest safety features that the market has to offer. Extra airbags on the side can add more protection and less personal injuries during an accident and an anti-lock brake system can mean the difference between a minor dent and a total wreck. Having an active car alarm can reduce the probability of car theft and can also reduce your car insurance rates.

Remember the general rule: The safer you are on the road, the lesser the likelihood of accidents and insurance claims, and the lower your car insurance premiums will be.

Tags: auto insurance claims, auto insurance premium, Car insurance discounts, car insurance rate