Insurance Cost Based on the Age of Your Car

Affordable car insurance options in Hickory NC for reliable coverage
Auto Insurance
Car Insurance
January 23, 2023

The age of your car can significantly impact your insurance cost. For cheap car insurance in Raleigh, or if you need coverage in Fayetteville, NC, Greenville, NC, Hickory, NC, or Winston Salem, NC, Superior Insurance can assist. Let Superior Insurance shop various car insurance companies on your behalf, ensuring you get the best rate without the hassle of doing it yourself.

When it comes to car insurance coverage, many drivers are unaware of the factors that go into determining their premiums. One important factor is the vehicle’s age. This can significantly impact the type and amount of coverage you receive. In this article, we will discuss how the age of a car can affect your auto insurance coverage, as well as provide some tips to help you get the best coverage for your vehicle.

Why Age Matters

The age of your car is one of many factors that insurers take into account when determining your premiums and coverage options. Older cars are generally considered less valuable than newer ones, so they may have lower premiums or more limited coverage options. This is because older cars may be more prone to breakdowns and may not have the same safety features as newer cars, making them more risky to insure.

It’s important to remember that your car’s age is just one of many factors that insurers take into account when determining your auto insurance rates. Other important factors include the make and model of your car, your driving record, where you live, and your age and gender. Consider all of these factors before selecting a policy to ensure you get the best coverage for your needs.

What to Consider When Shopping for a Policy

If you’re in the market for auto insurance and you have an older car, there are a few things to consider before you purchase a policy.

  • First, look for insurance companies that offer specialized coverage for older cars. These policies may include roadside assistance and repair coverage, which can be beneficial if your car needs repairs.
  • Second, consider your driving habits when shopping for a policy. If you only drive your older car occasionally or for short distances, you may be able to get a lower premium than if you use it as your primary vehicle.
  • Shop around and compare quotes from multiple insurance companies. It’s always a good idea to compare quotes from different companies to find the best coverage and price for your needs. Be prepared to spend a lot of time on the phone or time reviewing emails when you’re shopping around. Saving money can take time.  However, you can save money AND time with just one phone call to Superior Insurance in Raleigh, NC. We shop multiple insurance providers for you and find the one that gives you the best cost and the best coverage.
  • Consider any special features you can add to your car to lower your premiums. For example, if you have an older car with an alarm system, airbags, or anti-theft devices, you may be eligible for discounts or other cost-saving benefits from your insurance company. Be sure to mention such features when shopping for auto insurance so you can get the best rate possible.
  • Don’t skimp on coverage — even if you have an older car, it’s still important to have adequate insurance coverage in case of an accident or other unforeseen event.
  • Increasing your deductible can help lower your payment, but make sure that it’s an amount you can comfortably pay in the event of an accident.


The age of a car can have a significant impact on your auto insurance coverage. Older cars may require more coverage due to their age and may be subject to higher rates. As such, it’s important to understand the age of a car and its implications before you commit to a policy.

Following these tips can help you save money on car insurance. But to be certain that you’re getting the best deal, why not call Superior Insurance? We have four offices in North Carolina and would love to help you save money either with a new car insurance policy or a review of your current one. Contact one of our 4 North Carolina insurance offices and start saving today!