Auto insurance is based on many variables. Vehicle cost and repair-related expenses are two important factors. Sticker prices on electric cars are generally higher than fueled vehicles. In turn, EVs cost more to insure. EVs are equipped with numerous sensors vulnerable to damage should a crash occur Repair costs increase substantially when crash-related damage cannot be repaired or fitted with after-market replacement parts. In addition, crash-related repairs on an electric vehicle often require more time in the shop. These added expenses affect insurance prcing. Other auto insurance rate factors include the vehicle model, the operator's age, gender, driving record, credit score, garage location, miles to work, deductibles, and coverage limits.

Tips to help electric vehicle owners find auto insurance savings:

• Shop around. Hundreds of insurers offer coverage in Illinois. Prices vary. Get quotes from at least three different companies. Compare coverages and company licensing status and complaint record before making a selection.
• Ask about discounts. Insurance companies typically offer numerous discounts such as multi-car, multi-policy, low mileage, mature driver, defensive driving course completion, remaining claims-free, and more.
• Establish a good driving record. Motorists without tickets and accients typically pay less for insurance.