Does the car appearance affect insurance?

Question

Does the car appearance (good or bad) affect how much we pay for car insurance. I know insurance companies always ask "What condition is your car?..any dents, etc" does saying its in good condition make the rates go up or down?

Answer 1

agobo86, For auto insurance the quick method to get a cheap quote is do a car policy comparison. Be sure to choose the same coverage amounts, you can get an fast quote to compare against others. Use the same coverage area, car make/model, mileage and driving history to ensure you get accurate comparison. To get mulitple auto quotes, go to http://www.autoadviceonline.com/Free-Aut... and you can compare all the major auto insurance companies.

Answer 2

No, the rates will stay the same, but they won't pay for pre-existing damage if you happen to get the same area hit again.  Most agents will look at the car if there are any concerns.

Of course if they don't, and you claim it's in good condition when it isn't, you have defrauded the insurance.