Why Insurance for Hybrid Cars is More Expensive

Here are some reasons why your hybrid car is more expensive to insure.

While hybrid cars are becoming increasingly popular, getting auto insurance in Oakland, CA for hybrid vehicles remains higher than average.  But why does this cost disparity between normal and hybrid cars exist?  Here are some of the reasons why itâ's more expensive to insure hybrid cars.

• Hybrids are Expensive

One of the reasons that hybrids are more expensive to insure than normal cars is that they are simply more expensive in the first place.  Because the price of the car does factor into how your insurance premiums are calculated, the more expensive the car, the higher your insurance premiums will be.

• They Have Fancy Parts

Another reason why hybrids are expensive to insure is because they require special parts that regular cars do not have.  Not only are these parts expensive to replace, but the actual repair price is also very costly as well.  This also contributes to increased insurance rates.

• They Need Special Mechanics

Because hybrids require fancy parts and have different mechanical components than regular cars, only specially trained mechanics can work on them.  This means that finding a repair shop can be a difficult process.  Because of this need for specialized service, your insurance premiums will be higher. These are some of the reasons why hybrid cars are more expensive to insure than normal cars.  If you are looking for comprehensive auto insurance at a price that wonâ't break your budget, turn to us.  For help finding the right policies, contact the professionals at Cook, Disharoon & Greathouse, Inc. Located in Oakland & Pleasant Hill, California, we serve all your personal and commercial insurance needs.