Reader’s Question:

My brother has this wonderful black car that he lets me borrow all the time. He said it costs him too much to have in insured in Lincoln Nebraska NE and so he’s okay with me driving around in it. Why do auto insurance premiums for black cars costs higher than those for other cars?

Diego

Lincoln Nebraska NE

Your brother, Diego, is one sleek guy. He’s just probably trying to make his car sound cooler by weaving this story of having to pay higher auto insurance for it. Truth of the matter is, all is fair in love, war and auto insurance when it comes to the color of the car. What matters is the model, engine type, age, mileage and some other profiles of the car, but not color. Insurance companies in Lincoln Nebraska NE will also look at the driver’s history and credit ratings, and may even look at his past insurance relationships. No insurance company in Lincoln Nebraska NE will evaluate your risk by considering the color of the vehicle. I haven’t heard this before ever done by a legal auto insurer.

In fact, you can challenge this story of your brother easily. Ask him to go online with you and take the short quiz available on this page, at the end of the quiz, it will yield several auto insurance quotes. what you and your brother should do, is take the quiz with the same car in mind, except for the color. Make sure that your brother is not cheating on you and make sure that you answer the same thing to all the questions. This will easily end your brother’s faux story. But, if I were you, I’d let him believe he still has me. Anyway he let’s you borrow the car so why not give him this small victory.

Tags: car insurance quotes, car insurance rate, cheap auto insurance