Ask any SUV enthusiast what they love most and you’ll hear talk about ruggedness or the ability to take it off road. You certainly won’t anything about insurance until it’s time to get a policy. Due to ignorance a lot of SUV owners spend a lot more than they should for an auto insurance policy. We’ll explore why these vehicles cost a lot more to insure and what you can do to pay a lot less…

What you pay for any form of insurance is directly proportional to the risk your insurer perceives in you. If your friend is considered a better risk than you by a factor of 50%, your friend’s rate should be lower than yours by that same factor. Following are things that make an SUV a worse risk than cars…

1. Common sense tells you that an SUV will do more damage than a small vehicle if there’s a collision. Just look at their design and features and you’ll NOT need any convincing. If the collision involves smaller vehicles, the passengers in those other vehicles are, therefore, exposed to greater danger.

2. Sport utility vehicles are NOT as safe as cars. For example, they have a higher center of gravity which makes them more susceptible to somersaulting than cars.

3. It will generally cost you a lot more to fix an SUV than a car.

4. Because of their trendy nature, thieves seem to prefer them. This translates to a higher theft rate than most cars.

So what can you do to reduce your rates?

1. Choose a high deductible amount.

2. If you can. avoid making claims for things you can handle with relative ease. Leave claims for only big stuff. You’ll become eligible for a No Claims Bonus if you stay without making claims for a few years.

3. Do all within your power to ensure you have an excellent credit rating — It is a strong factor that affects your rate.

4. Do you have a garage? Make sure you always park your SUV there.

5. Make sure you have all the recommended safety equipment.

6. Although insurance rates for SUV’s are generally high, some are still more insurance-friendly than others. So check before you pay for your vehicle.

7. People who have traffic violations on their record pay a lot more. So avoid these.

8. If you have other vehicles, try insuring this one with the same insurer. But do note that although doing this will get your a multi-vehicle discount, you might still save more on the whole by looking for the best rate from different carriers for each individual vehicle. To ensure you choose the option that brings more savings, check what you’ll save if you insure each vehicle with a different insurer and see how it compares with what you’d save if you bought coverage for them all from one insurer.

9. You can be the secondary driver for this car while your wife is named the primary driver. Don’t forget that all other things being equal, a woman will get a lower rate than a man.

10. Get and compare quotes from a good number of A rated insurance carriers. Different insurers will give different quotes to the exact same profile for reasons beyond the scope of this article. Quotes with a difference as much as $1000 are NOT uncommon.

Some sites help you make massive savings both by giving tips and making sure you get the best rates. Following are are couple of such: compare auto insurance quote and affordable car insurance. Chimezirim has helped many people make sizeable savings on insurance.

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