When insurers are working out your premium, they analyse much more than just your driving record and postcode. Their algorithms are all slightly different but they generally consider the claims and accident records for the exact make and model of the car you intend to insure. To give you a ballpark idea of what yours could be, we’ve used scenarios to get quotes for a range of car models.<\/p>
Make and model are common words you’ll hear when shopping for car insurance or a new car. Your car’s manufacturer or brand is called the make – like Ford or Toyota. The model of your car is the specific car you have. For example, Honda<\/a> makes models like the Jazz, the Accord or Civic<\/a>, which have different features, body style and upgrade options.<\/p> If you’re not sure which model you drive, you can usually find out by looking at the back of your car. Or read your car’s instruction manual or vehicle registration certificate.<\/p> Let’s say you have a shiny red Toyota Yaris<\/a>.<\/p> The make of your car is your vehicle’s manufacturer – in this case, Toyota. Other vehicle makes include Nissan, Mercedes-Benz, Jeep and Volkswagen.<\/p><\/div> The model of your car is Yaris. It’s what identifies a specific car made by the manufacturer. If you have a Ford Fiesta, the model is Fiesta. If you have a BMW M3, the model is M3.<\/p><\/div><\/div> It pays to compare rates and get estimates for the type of car you drive to find out if you’re getting the best deal. You might also need different cover depending on your car model. A pricier car might need a higher maximum to cover any damage in an at-fault accident, and an older or less reliable car is more likely to need roadside assistance<\/a> (which you can include in some policies, or buy separately).<\/p> Yes, the specific trim and body type can also raise or lower your rates.<\/p> Convertibles, sports cars and SUVs tend to be more expensive to insure. Soft-top convertibles are easier to break into. It’s too tempting not to drive fast in a sports car, and this gives them a higher risk of being involved in a crash. If you opted for an upgraded trim or a few extra features, chances are that raised your car’s market value. Opting for heated seats or a fancy sound system wouldn’t typically be enough to change insurance rates significantly, but insuring a car with several thousand pounds in upgrades might raise your rates enough to matter.\u201d<\/p>\n What’s the difference between a make and model?<\/h3>
The make<\/h4>
The model<\/h4>
How does make and model affect insurance rates?<\/h3>
Does my car’s body type affect insurance?<\/h3>
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