{"id":6080,"date":"2026-03-26T14:58:30","date_gmt":"2026-03-26T19:58:30","guid":{"rendered":"https:\/\/www.real-autoinsurance.com\/?p=6080"},"modified":"2026-03-26T14:58:30","modified_gmt":"2026-03-26T19:58:30","slug":"how-does-the-model-and-year-of-a-car-impact-its-insurability","status":"publish","type":"post","link":"https:\/\/www.real-autoinsurance.com\/es\/blog\/how-does-the-model-and-year-of-a-car-impact-its-insurability\/","title":{"rendered":"How Does the Model and Year of a Car Impact\u00a0Its Insurability?\u00a0"},"content":{"rendered":"<p>The make and model of your car play a significant role in\u00a0determining\u00a0your\u00a0<a href=\"https:\/\/www.real-autoinsurance.com\/coverage\/auto\/\">auto\u00a0insurance<\/a>\u00a0premiums. Insurers consider several aspects, including:<\/p>\n<ul>\n<li><b>Repair\u00a0costs:<\/b>\u00a0Luxury or high-performance vehicles often cost more to repair, which can lead to higher premiums.<\/li>\n<li><b>Safety\u00a0ratings:\u00a0<\/b>Cars with advanced safety features or strong crash-test results may qualify for discounts.<\/li>\n<li><b>Theft\u00a0risk:<\/b>\u00a0Some models are more\u00a0frequently\u00a0targeted by thieves, which can increase insurance costs.<\/li>\n<li><b>Intended\u00a0use:<\/b>\u00a0Sports cars or vehicles designed for speed may be seen as\u00a0higher\u00a0risk.<\/li>\n<\/ul>\n<h2>How Vehicle Year Impacts Coverage and Rates<\/h2>\n<p>The age of your car also matters.\u00a0Here\u2019s\u00a0how:<\/p>\n<ul>\n<li><b>Depreciation:<\/b>\u00a0Newer cars\u00a0generally have\u00a0higher values, so comprehensive and collision coverage may cost more. As a car ages and its value drops, these coverages may become less expensive.<\/li>\n<li><b>Parts\u00a0availability:<\/b>\u00a0Older vehicles might have higher repair costs if parts are rare, which can affect premiums.<\/li>\n<li><b>Safety\u00a0technology:<\/b>\u00a0Newer models often include updated safety features, which can help lower rates.<\/li>\n<\/ul>\n<h2>Illinois-Specific Considerations<\/h2>\n<p>In\u00a0Illinois, insurers follow state guidelines but also use their own data to assess risk. For example, certain models may be more popular in urban areas, affecting theft rates and premiums. Additionally, weather-related risks\u00a0like hail or flooding\u00a0can\u00a0impact\u00a0coverage needs for both new and older vehicles.<\/p>\n<h2>How Our Team Can Help<\/h2>\n<p>At Real Auto Insurance Agency Inc., we help\u00a0Illinois\u00a0drivers compare coverage options and understand how their vehicle choices affect their insurance. Whether\u00a0you\u2019re\u00a0considering a new purchase or want to review your current policy, our team is here to\u00a0provide\u00a0personalized guidance.<\/p>\n<p><a href=\"https:\/\/www.real-autoinsurance.com\/contact-us\/\">Contact us today<\/a>\u00a0to speak with one of our Illinois auto insurance specialists.<\/p>\n<p><i>This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.<\/i><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The make and model of your car play a significant role in\u00a0determining\u00a0your\u00a0auto\u00a0insurance\u00a0premiums. Insurers consider several aspects, including: Repair\u00a0costs:\u00a0Luxury or high-performance vehicles often cost more to repair, which can lead to higher premiums. Safety\u00a0ratings:\u00a0Cars with advanced safety features or strong crash-test results may qualify for discounts. Theft\u00a0risk:\u00a0Some models are more\u00a0frequently\u00a0targeted by thieves, which can increase insurance [&hellip;]<\/p>\n","protected":false},"author":69,"featured_media":6084,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"The make and model of your car play a significant role in\u00a0determining\u00a0your\u00a0auto\u00a0insurance\u00a0premiums.","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[11,1],"tags":[],"class_list":["post-6080","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6080","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/users\/69"}],"replies":[{"embeddable":true,"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=6080"}],"version-history":[{"count":0,"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6080\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/media\/6084"}],"wp:attachment":[{"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=6080"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/categories?post=6080"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.real-autoinsurance.com\/es\/wp-json\/wp\/v2\/tags?post=6080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}