Your brother swears his insurance rates went up as soon as he bought his little red sports car because the car is red and car insurance companies hate red cars. Chances are he drives like he has a red sports car and if you asked him how many tickets he received driving that red car and you may see why his insurance rates went up. It was not because of the color of his car.
The color of your car does not affect your car insurance rates or premiums. This is a myth that has been around for a very long time and is not true, although it may have been loosely based upon the idea that red cars get more speeding tickets than any other car.
This has been disproved through Snopes.com. After several people did independent studies of the color of a vehicle and the ratio of tickets written for a color, it has been determined that color played no factor in the tickets written.
According to Snopes.com, law enforcement nationwide has denied writing more tickets for red cars than another color car. Law enforcement says they are more interested in writing a ticket for an infraction than what color the speeding car is.
Your insurance company does not even ask you what color your car is when you are getting a car insurance quote. The car insurance company adds that information in when you are finalizing your purchase and by that time, you already have gotten your cheap car insurance premium.
The whole color myth may have more to do with the psychology of a red car owner than the color itself.
Red is an aggressive and passionate color and it may say more about the owner than it does on whether the car is at fault. An aggressive driver is more likely to be on the receiving end of a ticket, which will increase your car insurance rates and cause you to lose your cheap car insurance.
The persistent rumor about the color of cars raising car insurance rates may be put to rest and a closer look at the driver may yield the true cause of higher car insurance rates.