Maroon Cars: Red Insurance Rates?

Maroon is a very dark shade of red, with a brownish hue. In terms of car insurance, it is a common belief that red cars are more expensive to insure. However, this is a myth. While red cars do cost more to buy, the colour of a car does not impact insurance rates. Maroon is considered a shade of red, but as with any other colour, insurance rates are calculated based on factors such as driving history, the vehicle itself, and the age of the driver. So, while maroon may be seen as a shade of red, it will not affect insurance costs any more than any other colour.

Maroon is a dark shade of red

The name "maroon" first appeared in the English language in 1789, derived from the French word "marron", meaning chestnut. Maroon is a popular colour for school uniforms and sports teams, and is also the colour of the robes worn by Vajrayana Buddhist monks.

In colour psychology, maroon is associated with control, responsibility, and thoughtfulness. It is also thought to increase appetite, boost adrenaline, and raise blood pressure, which is why it is a common choice for restaurants. Maroon is a versatile colour, used in clothing, interior design, and official documents such as passports.

Despite the popularity of maroon, there is no evidence that the colour of a car impacts insurance rates. While red cars are more expensive to buy, the colour has no bearing on insurance premiums. This is a common misconception, with people believing that red cars get more tickets and are therefore more expensive to insure. However, insurance companies do not use colour as a rating factor, and any increase in insurance costs is due to other factors, such as driving history and the vehicle's make and model.

Maroon cars are not more expensive to insure

Kristen Gill, senior vice president of personal lines pricing and development at Aviva Canada, confirms that colour is not a rating factor and Aviva does not use colour for rating or underwriting. Similarly, Kristofer Kirchen, president of Advanced Insurance Managers, states that the colour of a vehicle is not a question on insurance applications and is therefore a non-factor.

The belief that red cars are more expensive to insure may stem from the association of red with performance cars, such as Ferraris and Mustangs, which are designed to go fast and are more likely to be pulled over for speeding. However, this is not a result of insurers charging more for red cars, but rather the driving behaviour and records of the individuals driving these cars.

While the colour of a car does not directly affect insurance rates, it may have an indirect effect. Statistics show that certain colours are more likely to be pulled over for traffic violations, which can result in higher insurance rates for the drivers of those cars. For example, a 1990 survey by the St. Petersburg Times found that while white cars accounted for 25% of cars on the road, they only received 19% of speeding tickets. In contrast, red cars made up 14% of cars on the road but received 16% of speeding tickets.

However, it's important to note that the colour of a vehicle is not a component of the Vehicle Identification Number (VIN) code, which insurers use during the underwriting process. Therefore, maroon cars are not more expensive to insure than any other colour.

Maroon cars are more likely to be stopped for traffic violations

Maroon is a very dark shade of red, with a brownish hue. While the colour of a car does not directly affect insurance rates, maroon cars may be indirectly affected. Maroon is a colour associated with intensity, passion, love, anger, energy, and danger. Maroon is also considered a versatile colour, often used in restaurants to boost appetite, and in clothing to project sensuality or passion.

The colour of a car does not directly impact insurance rates, but it may have an indirect effect. Maroon cars are more likely to be stopped for traffic violations and, as a result, drivers of maroon cars may pay higher insurance rates. This is due to the association of maroon with intensity and energy, which may make drivers of these cars more likely to engage in risky or aggressive driving behaviour.

While the exact reason for this correlation is unknown, it is possible that the psychological effects of the colour maroon may play a role. Maroon is a colour that is often associated with intensity and energy, which could potentially influence the behaviour of both the driver and other drivers on the road. Maroon may also be more difficult to see in certain lighting conditions, making it harder for other drivers to spot a maroon car, particularly at night or in low-light conditions.

Additionally, maroon has been a popular colour for sports cars and high-performance vehicles, which are designed to drive at higher speeds. This association between maroon and speed could also contribute to the perception that maroon cars are more likely to be stopped for traffic violations.

However, it is important to note that insurance companies do not use colour as a rating factor when determining insurance rates. Factors such as driving history, the vehicle's make and model, and the age of the driver are much more significant in calculating insurance rates. While the colour of a car may not directly impact insurance rates, it is still an important consideration for drivers who want to avoid standing out to law enforcement or being associated with certain stereotypes or perceptions.

Maroon cars are not more likely to be involved in accidents

The idea that red cars are more expensive to insure is a common belief, but it is a myth. Jerry Becerra, president of Barbary Insurance Brokerage, confirms that none of the insurance companies he works with ask about the colour of the vehicle when rating coverage. Kristen Gill, a senior vice president at Aviva Canada, agrees that colour is not a rating factor.

The colour of a car does not reflect the risk represented by the car or the driver. Instead, insurance companies care about the make, model, year, and trim level of the car, as well as the driver's history. These are the biggest factors in determining insurance rates.

While maroon is a shade of red, it is a more muted tone, and is associated with feelings of spirituality, wisdom, and calm due to its connection with Buddhism. It is also considered a sensible colour and is commonly found on official documents such as passports.

In summary, maroon cars are not more likely to be involved in accidents. The colour of a car has no impact on insurance rates, and maroon, as a darker shade of red, is unlikely to stand out in the same way as brighter reds.

Maroon is a popular colour for uniforms and clothing

Maroon is a versatile colour that can be used in a variety of settings. In addition to its use in uniforms, it is also commonly found in clothing, where it can project sensuality or passion. Maroon is also a popular choice for restaurants, as it is thought to increase appetite, and in interior design, where it can add warmth to a space.

Maroon is a colour that is associated with intensity and passion. It can also conjure feelings of spirituality and wisdom due to its association with Buddhism. In colour psychology, maroon is linked to control, responsibility and thoughtfulness.

Maroon clothing is widely available, with many online retailers offering a range of maroon clothes and accessories. From lingerie and athletic wear to uniforms and casual clothing, maroon is a popular colour choice for many.

Frequently asked questions