Cheap auto insurance for hybrid cars

Can you get cheap auto insurance for green cars? The answer is yes, but you have to look for it. Because more and more people are choosing to go green, the government is offering incentives to companies to go green, so there are more offers for green car insurance.

The initial cost of a car and the cost of repairs is what drive the cost of insurance. The higher the initial price the higher the premiums are. The higher the cost of repair or claims in accidents the higher the premiums are. It use to be that hybrid cars were very expensive and only offered in the luxury line; not anymore. While Toyota's groundbreaking Prius starts in the mid $30K's they now offer a hybrid Camry models, and smaller fuel efficient cars that are more like European inner city cars (Toyota Yaris). Honda has the economical Civic hybrid models, as well as it's little euro car called the Fit, then there are the Smart cars by Mercedes, with Scion, and Fiat to rounding off the close to 40 mpg or more mini car choices. The latter group is considered green because of its gas mileage and carbon footprint. Most models start out in the MSRP rage of $16K and up.

For insurance, this means they are economical to insure. If you check out the Insurance Institute for Highway Safety website (http://www.iihs.org/ratings/) you can look up the ratings for some of these cars. The information provided will let you know how the insurance industry rates the car for safety and how much they have paid out for repairs and injury claims. (This is under the heading Insurance losses.) Armed with this information you can choose the model that fits your style, budget, and within your insurance premium comfort range. Then ask about the Green car discount.

Many insurance companies offer a 10% discount for your green car. If you opt for middle to higher end model, say Accord, Prius or Lexus the 10% discount from the insurance company can come close to the difference in price for insuring the hybrid model over the standard model.

Going green can be a great thing for you and the planet. Be an educated consumer; use this site to let you compare cheap auto insurance quotes. Make sure to tell them you have a green car and ask if they offer the 10% green discount.