For owners of the Smart car, insurance is very important. These eye-catching little cars are a hot commodity and one that is distracting for some drivers on the road. In reality, some drivers may also perceive the import Smart car as an expensive vehicle. When certain individuals are involved in car accidents and see the possibility of making some money from their injuries, they attempt to do so. This is why having good car insurance is very important.

Cost of Smart Car Insurance

The Smart car is a very inexpensive investment for a car. They range from $12,490 to $17,690. However if you are looking to buy a vehicle it makes sense to know what the overall ownership costs are per year before committing to buying it. Luckily the cost of insurance is also relatively low. Average cost of insurance for the Smart car is $1077 per year. Bear in mind that this is an average. When you are shopping around you will find that there is a big variation in the prices you will be quoted. This is because of a variety of factors, including the fact that the some insurers simply dont want to insure out-of-the-ordinary vehicles or import cars. They avoid carrying too many on their books by charging exorbitant rates.

With other low-cost ownership expenses, the Smart car is a great investment, especially for someone who does not need a car with a lot of space. The big drawback to this vehicle is actually the lack of room inside.

Smart Car Insurance Factors

Despite the lack of repair facilities and the shortage of parts for the Smart car, the price of insurance is still very reasonable. There are many things however, that can significantly impact the cost of your personal insurance quote. If you choose to carry higher or lower limits of coverage than those which are standard it will cause your rates to fluctuate. Recommendations are for liability limits of $100,000 bodily injury per person; $300,000 bodily injury per accident in total; and $100,000 property damage per person. In addition, the amount you drive your car; your age; driving record; marital status; claim history and other factors make a difference to how much you are charged for your car insurance needs.


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