Auto Insurance for Sports Utility Vehicles (SUVs)

Auto Insurance for your SUV

Insuring an SUV can be expensive.  They tend to cost about 10-20 percent more to insure than other vehicles.  Auto insurance companies usually charge SUV owners higher premiums because there tend to be more risk factors involved when driving an SUV.  For instance:

• Most SUVs have a higher center of gravity and roll over easily in an accident.  Insurance companies worry about having to cover liability and medical payments for individuals injured in an SUV related accident. 
• Pedestrians who are hit by SUV's tend to sustain greater injury than those hit by a smaller vehicle. 
• SUV repair costs are higher. The government does not mandate SUV manufacturers to meet the same standards for bumpers as on other vehicles.  Consequently, SUVs may not always have the same level of quality in their bumpers, which can result in increased damage to the SUV.
• SUVs have one of the highest theft rates. According to the Highway Loss Data Institute (HLDI), the following SUVS made the top five stolen vehicles in 2005: Cadillac Escalade and Dodge Ram 1500 Quad Cab.

Despite the higher insurance costs associated with driving an SUV, however, many drivers simply feel safer driving them. Many SUVs also have features that make them safe.

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Auto Insurance Coverage Plans for Sports Utility Vehicles (SUV's)

Most companies offer the same level of coverage for SUVs as for other passenger vehicles, including optional add-ons.  Coverage options available to SUV owners through most standard auto insurers include:

• Collision insurance
• Comprehensive coverage
• Bodily injury coverage
• Property damage insurance
• Medical payments coverage
• Uninsured and underinsured motorists coverage
• Liability coverage

If you are an SUV owner, hopefully you’ll never have an accident.  However, because SUVs are more prone to accidents and are expensive to repair, you’ll want to be sure you have adequate coverage. 

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