Hybrid Car Insurance

Hybrid cars have finally grown up and year after year there is tremendous growth in the Hybrid car market.

Although most Hybrid cars are still relatively more expensive than comparable vehicles consumers are opting for the Green life more than ever before.

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How much is car insurance for a Hybrid Car?

The best way to get lower car insurance rates is to take advantage of car insurance discounts and for hybrid car owners many car insurance companies look at only one thing to provide a discount of up to 10% or more – whether or not you own a hybrid car.

Yes, the mere fact of owning (or leasing) a hybrid car entitles you to a discount on auto insurance with most providers. Some car insurance companies have even gone as far as creating programs specifically for hybrid vehicles such as the Travelers Hybrid car insurance program.

Your car insurance rates will certainly depend on your overall risk profile but owning a hybrid car is one small advantage to cheaper car insurance rates.

What is a Hybrid car and how do Hybrid Vehicles work?

The only difference between a hybrid car and a traditional gas vehicle is the way the engine operates. Hybrid cars are much more fuel efficient using a combination of gas and electricity.

When hybrid cars were first introduced a lot of public perception was incorrect believing you have to charge these vehicles overnight but a hybrid car does not work like this.

Fully electric vehicles on the other hand usually do and you shall start hearing the word charging stations much more often.

Hybrid cars are powered by converting energy from gasoline to recharge the vehicles’ battery automatically thereby running the vehicle on the battery and then using the gasoline to automatically recharge the battery when needed.

Think of the battery and gas as always working together for better fuel efficiency – basically you have a working relationship between gas and power under the hood.

What are the most popular hybrid cars?

The Toyota Prius is the godfather of all hybrid vehicles in terms of popularity and fuel mileage. Benefiting from the first mover advantage the Toyota Prius was the first hybrid vehicle to win over drivers in America and has since been selling at a rapid pace.

With a 50 MPG fuel efficiency, roomy interior and an automatic license to laugh at people still funding the oil companies the Toyota Prius is the standard for hybrid cars.

Although if you want to buy a hybrid vehicle you certainly don’t have to be stuck with choosing what color Prius to purchase. Many car manufacturers have introduced hybrid models to the marketplace including GM, Ford, Lexus, Mercedes, BMW and more.

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Hybrid cars now come in many different models including sub-compact, luxury and SUV’s. Some of the most popular hybrid cars available today are:

Typical Passenger Cars

• 2011 Toyota Prius
• 2011 Honda Civic Hybrid
• 2011 Honda Insight
• 2011 Ford Fusion Hybrid
• Mercury Milan Hybrid
• Honda CR-Z Hybrid
• Nissan Altima Hybrid
• 2011 Toyota Camry Hybrid

Big Trucks and SUV’s

• 2011 Toyota Highlander Hybrid
• Chevrolet Silverado Hybrid
• Chevrolet Tahoe Hybrid
• GMC Sierra Hybrid
• GMC Yukon Hybrid
• Cadillac Escalade Hybrid

Luxury Hybrid Cars

• BMW X6 Hybrid
• Lexus HS 250h
• Lexus RX 450h
• Lexus GS 450h
• Mercedes ML 450 Hybrid

What’s the catch with Hybrid Vehicles?

There is no catch except that hybrid cars are generally priced more than typical vehicles. Some say its due to the extra cost while others believe that car manufacturers still want most drivers to buy gas vehicles and if they were priced the same we would quickly turn to a green country – something oil companies and car manufacturers want to control at their own pace.

On the upside though you get to save the earth, take advantage of lower car insurance rates and many other special breaks such as:

• Possible Income Tax Deduction
• Possible Employer Incentives to assist with the purchase of a vehicle
• Lower fuel costs
• Special Driving privileges by states (free HOV tags in many states)

While car insurance companies are never going to overlook a DUI conviction or reckless driving history just because you own a Hybrid these vehicles do provide a lot of benefits over traditional cars in terms of value, risk and environmental factors.

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