1. Safety Rating

A car with a good safety rating is, for sure is going to have lower rates, and what makes a safe car are all the gadgets and features the car carries that makes driving safer and easier. These features may include a car with traction control, airbags, automatic seatbelts, lane sensors, and automatic wipers.

In this case, the gadget-less car does not win the insurance game. So, if you are yet to buy a car or you are considering changing your car, it’s important you are fully aware of the kind of car to buy so that the cost of insuring it won’t eat into your pocket.

2. Vehicle Size

Larger cars have greater ability to withstand accidents, so if you purchase a car with a little more size your insurance rates will go down.

The engine size is taken into consideration, however, so if your car is an enormous and extremely powerful V8 you won’t be making any insurance savings. If you were to choose between a small car and a large car with the same safety rating, the large car would be cheaper to insure.

If you are among the novice who might still want to know how a vehicle size can affect their car insurance rate, I advise that you consult with a Northlink insurance agents for detailed explanation and get resources you might need to make a better decision when getting a car.

3. Likelihood of Theft

Unfortunately, some cars are more appealing to thieves and easier to break-in than others which can be hard to predict, but again, security gadgets or features in some car may help you out.

If you have good locks and alarm systems your insurance will go down. You may also speak with our agents to help you with a list of car types that rank higher in our records for most theft or easy to be stolen.

Good locks and alarm systems reduce the tendency of your car being stolen, they also influence your car insurance rates by lowering it.

4. Age of vehicle

 In this situation, it is the clean, fresh cars with the new car smell that is going to have the lower insurance rates.

A newer car is less likely to be wrecked in a collision and will, therefore, have less collision repair costs.

Taking all those factors into account you can see that it’s possible to have a great car whilst making smart economic/financial decisions and driving down insurance rates. Choose a younger, fresher car, with plenty of space and some nice gadgets to go along with it. You’ll enjoy both a great ride and great insurance rates.

Other Common Factors that Influence Car Insurance Rates

  • Driving record
  • Age of the one going to drive the car. If the car is to be driven by a younger person, the insurance rate will be higher.
  • Gender of the one to drive the car also influences the rate.
  • The city where the car will be driven also affects the car insurance rates. Places like Lagos, Portharcourt, Aba, etc with higher population density always have inflated rates.
  • Claims history
  • Your previous insurance coverage also plays a key role.


Considering these factors alone are not the only ways to save money on your car insurance. You will need to also contact Northlink Insurance Agent in your city to find more about cheaper quotes. Our live chats are also available to keep you connected to an agent on the go.

You can also leave a comment in any area you might need clarity and we will gladly resolve your case. Also don’t forget to share this article so others can gain from it.