How Your Hybrid Can Save You Money on Auto Insurance

How Your Hybrid Can Save You Money on Auto Insurance

It’s no secret that sales of hybrid cars have been on the increase. In the U.S., the percentage of hybrids to traditionally fueled vehicles has nearly doubled in four years, increasing from 2.8% of all vehicles in 2008 to 5.3% in 2012. It’s also no wonder that they have, of course, given the benefits that arise from driving a hybrid vs. a traditional vehicle.

Following are some of the reasons you should consider making a switch:

Conserve fossil fuels
One reason many consumers switch from traditional vehicles to hybrids is because they want to cut down on the use of scarce fossil fuels. The limited availability of petroleum means the things made from it, including gasoline, will become increasing expensive over the coming years. Hybrids offer a hedge against that by extending fuel mileage – as much as 55 miles per gallon.

Clear the air of emissions
The other benefit, of course, of using fewer hydrocarbons is cutting down on carbon emissions. Pollutants such as carbon dioxide, carbon monoxide and nitrogen oxide are among the byproducts of burning gasoline in traditional car engines. Hybrids emit up to 90% fewer pollutants than comparable vehicles that use traditional engines.

Clear the air of noise
Hybrids make almost no noise, especially when they’re only running on their electric motors. This is important: Researchers say excessive noise can cause health problems including hearing loss, stress, sleep loss and high blood pressure, among many other problems. Hybrids are so quiet, in fact, that the National Highway Traffic Safety Administration has proposed a minimum sound standard so that pedestrians can hear them coming.

You could qualify for insurance savings
Some insurers want to promote a healthier environment, so they offer hybrid discounts of up to 10% to motorists who own or lease hybrid vehicles. One warning: The discount doesn’t apply to every type of coverage, including the uninsured/underinsured portion of your policy. But you can still reap benefits from doing something you believe in.

How can you find a carrier that offers savings for driving a hybrid? Shop your auto insurance with a number of providers and ask whether a carrier offers this discount. Of course, this method can prove time-consuming. Luckily there’s a better way. Several websites, including , allow you to collect multiple quotes from top-rated insurers. Licensed agents also can help you find carriers that offer hybrid discounts.

Saving money on insurance might not be the primary reason you switch to a hybrid vehicle, but anytime you can save a few bucks is a good thing. Helping the environment seems even better when you can help your bank account at the same time.

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