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Kirkland, Why Does Pickup Truck Insurance Cost Less?
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(Posted on Sep 26, 2018 at 05:23AM by Patrick Wensink)

Dear Patrick,

We just bought our first pickup, a Nissan Frontier. We love hauling stuff around town, but also got a pleasant surprise when our insurance rates went down. Weâ€™re not complaining, but just curious why?

-Dave and Cindy

Hi Dave and Cindy,

So happy you are both getting the most out of this new set of wheels! Iâ€™m not shocked you discovered a lower monthly bill. Thereâ€™s a simple explanation, actually.

Often, we hear about comprehensive and collision coverages being cheaper for trucks than sedans. It all has to do with how the agencies rate the safety and cost of replacement for a vehicle. Yours, obviously, scored very high. That has a lot to do with the ground clearance. Studies show, automobiles that are higher off the road take less damage in an accident. People, likewise, tend to suffer fewer injuries.

Another factor is that a burly workhorse like yours doesnâ€™t have as many gadgets and computer gizmos to replace. In a wreck, these are the kind of things insurers like to see. Folks have been known to save even more with older models, which are even simpler.

Hope that helps. Let me know if you have any other questions.Â